WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I made a {$1000.00} credit card payment to my student loan provider, Navient ( ex XXXX ) and asked the customer service rep. to cover the total amount due ( {$580.00} ) and apply the amount left over ( {$410.00} ) to a specific loan, since that loan has the highest interest rate ( 4.25 % ) and it 's the smallest loan. Mysteriously, the amount left over was not applied to that loan, but rather to the largest loan ( {$32000.00} ) I have with the highest interest rate ( 4.25 % ). 
I pointed out the problem from XX/XX/2017 to another rep. on XX/XX/XXXX and she told me that the reallocation of {$410.00} from the highest loan to the smallest loan would be processed by XX/XX/2017. 
I messaged Navient 's live online messaging service on XX/XX/XXXX to explain the problem and the rep. told me that they were looking into it and that it should be reallocated by the following week. 
On XX/XX/XXXX, I called to yet again follow up and also make another payment, but nothing regarding the misallocation from XX/XX/2017 had been done. I received no correspondence regarding this matter. I pointed out the problem to another rep. this time and he told me that the reallocation of {$410.00} from the smallest loan to the largest loan would be processed at the latest by XX/XX/2017. 
On XX/XX/2017, I called yet again regarding situation from XX/XX/2017 and also to make a further payment. I explained the situation to yet another rep. and received his permission to record our conversation, and then made a payment with him. After the payment, he transferred me to a manager, XXXX. He denied me permission to record our conversation. I was very distraught and explained to him why I was upset. I then threatened legal action and to write a formal complaint to the Consumer Financial Protection Bureau if I did n't receive some form of written correspondence telling me they were dealing with the situation by the end of that day. He acted tough and told me that the " Monetary Department '' dealt with these matters and that no one from that department was in. I was on the telephone for 2 hours as both he and and the other rep. put me on hold " looking '' for someone. 
After that phone call, the situation turned extremely weird. When I went to log into my online Navient account an hour later, the access was denied and I had to " re-register '' with a new login-name and password. After re-registering, I noticed that, although I made a payment on that day ( XX/XX/2017 ) totaling {$700.00}, that sum was also never applied to my loans and the amount of my smallest loan actually increased by {$240.00} ; my payment " disappeared '' and I have no idea what the increased amount of {$240.00} is. What happened here? 
Even though I CONTINUOUSLY call and ask for clarification, my requests are met with a lack of accountability and customer service representatives who seem to lie about my situation. I want to know where my money went and why more money has been added to one of my loans. 
I can prove all of this, since I record all correspondence and take before and after screenshots of my payments.
Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX XXXX
In XXXX I was assaulted by my husband at the time. While I was seeking treatment and shelter at a womens haven he stole my debit card. He made thousands of dollars worth of purchases. I contacted Chase and disputed the charges. Over a month later they denied the claims and reversed the charges. Stating that they were valid. They showed no sympathy for the fact that I was abused and blaimed me for my husband having access to my info. Ive since gotten divorce because of this incident I was able to get an immediate divorce. I have documentation that it was because of domestic violence. Now the account is overdraft and there is a possibility that my account will be closed.
XXXX XXXX, XXXX I was on-line this date putting credit freezes on my and my wife 's accounts and had no trouble with XXXX and XXXX but when I tried to use the Experian website I was unable to complete the process. They denied my attempt and said I have to submit my request in writing. I imagine the reason I was denied was either because we have two homes in different states as we are in the process of retiring and relocating or because one of the questions they asked me appeared to be based on incorrect information on their part, it was obvious how it was meant to be answered but I answered it correctly it apparently did not correspond with their poorly assimilated information. 

I tried to call but there does not seem to be a way to speak directly with a customer service representative at Experian or even an available email address with which to try and straighten this out. I have to admit that following the revelation of XXXX XXXX  incompetence I am not amused at the lack of professionalism at Experian.
On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account. 

Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX. 

Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.
I purchased a home in XX/XX/XXXX, through Bank of America. I made my payments on time every month. I then filed Chapter XXXX bankruptcy on XX/XX/XXXX. My mortgage payment was being paid through my bankruptcy plan on time. I sold my house in XX/XX/XXXX, in which Bank of America was paid in full at that time. My credit report is now showing the last reporting was XX/XX/XXXX and there are XXXX delinquencies showing.
My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and XXXX   reports without either consent and had not been updated on TransUnion since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and TransUnion to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX
I applied with an agent from American Express for a Gold card that promised XXXX rewards points if {$2000.00} is spent within 3 months of card activation. Now that I have card, I called American Express and was told since I had a gold card in the past, I was Not able to get the rewards incentive ever again. This WAS NOT told to me by the agent as I applied. It was originally offered through XXXX during checkout, and XXXX also backed off on their promise of a free year of Premier membership. I received the card in mid XX/XX/2016. AMEX promised to look into it, but it has been many weeks. If they do decide to honor their offer, I have only a few weeks to spend the {$800.00} needed to qualify for the " potential '' rewards. I am not using that card because I have better rewards using my XXXX cards : ) Can you contact AMEX on my behalf?
I would like to file a complaint against I C System Inc for not complying with the FDCPA, which requires that they notify me of a debt via mail. I did not receive notification of debt by mail or telephone. I was notified by XXXX  credit agency that I have a collection account that drastically dropped my credit score. 

On XX/XX/XXXX, at XXXX, I received an alert from XXXX  that a change occurred on my credit report. I logged onto the XXXX  site and noticed my credit score dropped 30 points due to a collection file submitted by I C System Inc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The amount is {$360.00}, and the original creditor is XXXX XXXX XXXX  XXXX. 

I called I C System Inc at XXXX XXXX  and spoke with debt collector XXXX XXXX. Our call lasted 9 minutes. Mr. XXXX asked me to verify my address at the beginning of the call. I gave him my current address, which I have lived at since XX/XX/XXXX. Mr. XXXX asked me to verify my previous address, I gave him the previous address I resided at for 3 years prior to moving to my current address. Mr. XXXX asked if I ever had a PO BOX , and I replied, " No ''. I repeated my previous address again. Mr. XXXX asked me again if I ever had a PO BOX address. I told Mr. XXXX I have never had a PO BOX in the state of Georgia. ( I have lived in the state of Georgia for 5 years ). Mr. XXXX asked me to repeat my current address and asked if the number I was calling from was a good number to contact me. I told Mr. XXXX bill was invalid and should have been covered by my previous health insurance company. Mr. XXXX told me debt was for date of service XX/XX/XXXX, and my statute of limitation has run out to get my insurance company to cover it. Mr. XXXX said he has been in this business for a long time and was certain I was too late to submit to my previous insurance company. Mr. XXXX asked me to allow 30 days for him to receive an initial bill from the creditor that I could submit to my insurance company. He also suggested I contact creditor directly. 

I disputed item with XXXX, and I C System reported the item as being correct. I was not given the opportunity to address this debt and get it resolved once it was sent to their office. Mr. XXXX confirmed on their recorded line that they had a PO BOX address for me. I am certain that the USPS would have returned invalid mail to their office.
This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX ).
XXXX   XXXX   XXXX   XXXX   is trying to collect on a debt for a MasterCard account via Orchard Bank. I do not recall ever having a  MasterCard  and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX  bearing my original signature.  XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XXXX  and  XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened is against  Federal  Regulations.
To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX
MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).
XXXX  has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.
I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.