WillisBack/dataset-financial-user-claim huggingface dataset:
I have two balances - an interest bearing balance and a transfer balance with a zero percent interest rate. I generally have been paying from ten to almost sixty dollars over the minimum payment to reduce the interest I pay on the interest bearing balance. In XX/XX/XXXX of this year, I realized that the principal balance was not decreasing as quickly as it should have been, given the amounts in excess of the minimum required payment I had paid so I began looking at my statements more closely. I discovered that in XX/XX/XXXX of this year, 92 % of my payment, after the deduction of interest, had been applied to my zero interest balance transfer amount and only 8 % of the payment had been applied to the interest bearing portion of my card balance. I called Customer Service and complained about how my payments were being applied. I was told that there was no way to control how payments were divided between the interest bearing balance and the zero interest transfer balance. By applying substantially more of my payments to the zero interest balance account than it does to the interest bearing balance, the bank is increasing the amount of interest that I pay and it receives. In three instances in the last 9 months, the bank has run afoul of 12 CFR 1026.53 ( a ) which provides that " when a consumer makes a payment in excess of the required minimum periodic payment for a credit card account under an open-end consumer credit plan, the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable APR ''. In XX/XX/XXXX of this year, only {$11.00} of the {$15.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$17.00} of the {$31.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$6.00} of the {$13.00} I paid over the minimum was applied to the interest bearing portion of my account. In short, the principal on my interest bearing account, by law, should be reduced by {$23.00} and the interest adjusted accordingly. When I opened this account, I assumed that at least 50 % of my payments, after deducting earned interest, would be applied to my interest bearing balance. I feel most reasonable consumers would make the same assumption. I am very upset that this is not the case and that the bank can apply most of my payments to the zero interest account to increase the amount of interest it receives. This is very unfair to consumers.
On XXXX/XXXX/XXXX, I received a phone call from someone claiming to be a representative from Navient corporation. The representative 's name was XXXX XXXX. 

The call came to my mothers home phone number. I asked the representative how she got this phone number. She told me I gave it to them. I told her that this was not true. The only phone number under my account that navient is authorized to call is my cell phone number. I have deleted all other numbers from my online account, and as of XXXX XXXX I had all other phone numbers removed from my account. I have explicitly told several Navient representatives, including most recently my " account representative '' XXXX XXXX, that the only number I can be reached at is my cell phone number. 

The representative told me she was calling me regarding a complaint, and wanted to verify my information. Again, I told the representative the only contact information I have provided regarding a complaint with Navient is my cell phone number. The representative asked me to verify some information before she could speak to me about the complaint. I asked her which complaint she was calling about, as there are XXXX complaints filed against them, not including this one. The representative refused to tell me until I verified my Social Security number and other information. I told her I would not give her any personal information until she verified what complaint she was calling about. The representative continued to argue with me, and I told her I would file another complaint about her behavior. The representative told me to file as many complaints as I wished. When I refused to verify my information until she told me what complaint she was calling about, she hung up the phone. The only reason I asked this is because navient contacted me on my mothers home phone rather than my cell as I provided.
Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .
I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. 

Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. 
Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.
I received a piece of mail from American Express with a prequalified offer for the Blue Cash Everyday Card offering me 12 months with a 0.0 % introductory purchase APR as well as 0.0 % APR for balance transfers. I applied for the card and was approved. Upon speaking to a customer service representative I was told that I did NOT have the 0.0 % APR for purchases, and that this offer was never made to me. I called and spoke to ANOTHER customer service representative who informed me that I DID have the 0.0 % intro purchase APR. Having gathered XXXX conflicting answers to my inquiry, I called again and was told that I did not have the 0.0 % purchase APR. Furthermore I was also told that, that offer was not available on the website or anywhere else. Appalled that I had basically just been called a liar by the marketing team, I went on the americanexpress website and quickly found the offer terms for the XXXX Card. If, this promotion is not offered, it should not be promoted on the American Express website, through American Express mail, or on third party websites, i.e. ; XXXX XXXX. This is false and deceptive advertisement. I also asked XXXX, XXXX, XXXX, and XXXX, the XXXX different employees that I spoke with if there was any situation in which the introductory APR would not be available to a customer, a question in which the employees could not answer.
XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''
This is a complaint in response to a previously closed complaint filed on XXXX, reference number XXXX based on a response from Experian on XXXX. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification of the credit reporting agency as required within five ( 5 ) days of previously disputed information that is invalid. 

In the response to the above referenced complaint, Experian 's official, binding response stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to our records the account number provided in your complaint is not appearing on your Experian credit report. '' However, based on a review of my Experian credit file on the date of their response ( XXXX ) and with re-verification on XXXX, the information they stated is " not appearing on your Experian credit report '' is and has been present on my credit report since before the original complaint was filed. The information was verified directly by a service that is owned and operated by Experian. 

Experian 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required.
I was forced to borrow from Care Credit XXXX Synchrony Bank XXXX when I did not have dental insurance or other credit remaining, and had a XXXX that needed expensive work to avoid XXXX. The dentist 's office staff suggested using this option to pay for the service, and the dentist requests that you have credit or pay in cash prior to treatment. He is also the most capable dentist in the area and it is quite likely no one else could have done the procedure he did XXXX. 
I did not plan to be out of work for nearly as long as I have been. XXXX also does not cover any dental issues. Other forms of insurance are very expensive. 
I have found is that Care Credit uses several methods to add huge amounts to your principal and almost automatically increases your credit rate to the maximum allowed under their contract. They do not offer workable payment plans if you get behind, and their late fees are larger than the finance charge. 
I have previously contacted Synchrony Bank asking for a payment plan for at least one month. ( Their XXXX request is to pay the entire past due amount, which of course includes their numerous late fees and interest charges ) As a last resort, the customer service rep accepted a payment of {$35.00}. She did not mention that the late fees are also {$35.00}.
I RECEVED AN EMAIL FROM XXXX  XXXX THAT THERE WAS AN INQUIRY ON MY REPORT ON XX/XX/2019,  IT WAS FROM SYCRONB/XXXX. WHEN I CALLED THEY HAD NO INFORMATION ON MY SOCIAL SECURITY NUMBER, BUT WHEN ASKED MY NAME I ONLY MENTIONED MY LAST NAME XXXX AND THEY ASKED IF MY FIRST NAME IS XXXX WHICH IS MY SONS NAME WHO IS XXXX XXXX AND DOES NOT APPLY OR IS ABLE TO DO SUCH FOR HIMSELF. SO THE GENTLEMAN SAID THAT IT WAS A CARD FOR JCPENNYS. I DONT EVEN SHOP THERE AT ALL AND HAVE NOT APPLIED TO ANY CREDIT CARD COMPANY AT ALL. THIS INQUIRY NEEDS TO BE REMOVED FROM MY ACCOUNT AS IT DOES NOT LOOK GOOD AND IS LOWERING MY SCORE.
As a young kid out of school in my first job I decided to take a loan out for an XXXX program I was accepted to. The amount of the original debt was {$5000.00} from LoantoLearn.com  operated by Educap, Inc back in 2005. Everything was fine until I ran into financial troubles from not having a job. I could n't keep up with the payments and have n't been current. After landing a job again and trying to get back into financial shape I reached out to settle my debt but Educap , Inc. was very predatory about it. They wanted 2X the loan amount even after several payments which reduced the actual amount. I felt it was unfair and agreed to the principal amount to make them whole and they disagreed. They then attempted to sue me twice in a state which I do not live ( Florida ) and continually degrade by credit rating every month. I have tried to reach out to settle the debt but never get a response. This company has no heart, no want or desire to fuel educational growth but to feed off people 's hard earned money to advance their greedy interests. Very shameful.
( copied from my letter to Experian ) XXXX Attn : Customer Care XXXX, TX XXXX Dear Experian, Well that was sneaky. You know I 'm after my FICO credit score and a credit report, so you lead me down a path on your website promising a free credit report. Once you have my personal info you inform me that it costs {$1.00} to report the FICO score, which seems reasonable so I enter my credit card info and press OK ... 

... not reading the small print two paragraphs below which says that in fact I was signing up for a $ XXXX recurring charge. 

I 'm sure you can cite letter of the law that nothing is amiss, but this is clearly meant to trick people into a recurring charge. What I and I 'm sure 90 % of your customers want is a one time credit report. The transaction as presented seems like I am paying {$1.00} for a simple credit report. It would be a more uncommon thing for someone to want a continuous and relatively expensive monitoring of their account. 

A monitoring service is a separate product from seeking a credit report, and should be sold as such. You should not have to sign up for a {$260.00} per year service just to see a one time credit report. 

Experian is in a uniquely powerful position in the financial industry. You are in the business of gathering personal information and making judgements on credit worthiness. To offer a credit report service that borders on a scam is troublesome. 

I would appreciate a refund of the {$21.00} charge that was made to my credit card, which you have kept on file. Thank you.
All three companies ( Equifax, XXXX, XXXX ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the Equifax breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
Equifax made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.
I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.
I have disputed an fraudulent account by XXXX XXXX. Experian was investigating the information and hasnt updated my account since XXXX even though the dispute was opened in XXXX and XXXX. The information Experian has on my credit report is inaccurate from the information that XXXX and XXXX  has ( which is accurate ). The collection account address and payment status is wrong. Experian will not remove the derogatory payment status and wont update my dispute in a timely matter. In pictures you can see that Experian hasnt updated the collection in dispute, doesnt have the accurate collection agency address, has an unnecessary derogatory payment status.
Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC #  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX