WillisBack/dataset-financial-user-claim huggingface dataset:
I called Capital One about credit cards that they put on a restricted status late last year in XX/XX/XXXX due to them being concerned with authorized users that i had put onto a couple of my cards to help some relocated church members to reestablish their credit when they were displaced by storms. 
We were told that we had to send in documents which we did and that they did not take as proof of who we were. 
i am now trying to close these accounts and this was refused to me by an employee named XXXX employee ID XXXX. 
I also found out that i had a balance of {$3.00} owed on one of my cards that she said was accrued interest after we had paid to a XXXX  balance? 
I also have been charged the following card annual fees on three cards that i have been unable to use and which i should not have been charged. 
Card ending in XXXX {$39.00} XX/XX/XXXX XXXX {$39.00} XX/XX/XXXX XXXX {$59.00} XX/XX/XXXX. These should be returned to me along with any other charges i was charged for an account that am not able to use. We have never been late on a payment to Capital One or any other credit card company in 20+ years so this is not fair and i consider it highly abusive practice toward my wife and I by a big bank. I also think that they have possibly done this due to me being of XXXX heritage.
XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.
I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be  available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : Us Bkpt Court NY Bankruptcy chapter XXXX To Whom It May Concern : I have previously submitted a certified letter which was received and signed for on XX/XX/XXXX2016 requesting that a dispute be initiated for a public record Bankruptcy chapter XXXX which is reporting information on my Credit Report.
I have student loans with Navient. Instead of trying to get my loans to a payable monthly payment. They put me in forbearance every time I called and the interest keeps accruing making the payments even higher. They are not interested in helping the borrowers at all.
Trans Union has refused to update my credit history with XXXX XXXX the balance is paid in full.
All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans.

This misallocation of funds must stop!

I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.
My payment of {$190.00} was posted to my bank account XX/XX/2018 and sent to Navient. However, there is no record of my payment on my account. A Navient representative told me that I didnt pay in the month of XX/XX/2018, but that is a lie. My bank statement and bank representative confirms my payment. What a shame that Navient would steal my payment. A Navient representative told me that they cant help me. I have filed a complaint with my bank. Also, my new loan servicer informed me that Navient did NOT send them any payment for XXXX, although I made this payment to Navient. I had to pay my XXXX bill a second time!
Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.
I came down with XXXX XXXX and was unable to continue working my two jobs. I underwent a XXXX XXXXy, but luckily needed no further procedures. I had applied for a Deed in Lieu of Forclosure with Citi Mortgage back in XX/XX/2117. I submitted all of the necessary paperwork that was required of me, and moved out of the state, putting all of my possessions into storage in New York. Now, five months later I have been informed by Citi Mortgage that new paperwork is required because they changed their rules. I feel that I am being discriminated against based on a XXXX. Because I developed XXXX and was no longer able to work Citi Mortgage is making it impossible to continue with the Deed in Lieu of Forclosure. Since all my possessions are in storage in New York, I have no access to the paperwork.
In using BoA bill pay service, bank checks were not delivered to a BoA branch because the address had changed, and were not recreditted to my account until three months later. This is BoA 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, BoA adds to its liquidity crediting funds in transit, violating international central banking norms.
XXXX CREDIT AGENCIES REPORTING ACCOUNTS " NOT MINE '' / OUTDATED REPORTING PAST 7YRS SINCE 2008 ... .. PUBLIC RECORDS/BANKRUPTCY AND XXXX LIEN, XXXX AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW FILE
Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.
Last month, my husband opened a new credit card account with Chase. Because it has a cash back reward feature, we have been using the card for all of our daily purchases and paying it off immediately as we go. Somehow, something in our use flagged as fraud with Chase, and triggered a call from the fraud department ( which is fine ). However, we found out about this not because Chase called *us, * but because they called my husband 's mother. We have no idea how her phone number came to be associated with this or any other Chase account we have ; we have been married for 4 years, she 's never been an authorized user on any account with them, and he did not give them her phone number as contact info when setting up the account. Nonetheless, when they reached her, they gave her ( a third party ) detailed information including the fact that we have an account with them, the type of card, and what the situation was. 

My husband is in his late XXXX, and we never authorized any information to be given in this manner to a third party.
I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.
Hello CFPB, I 'm reaching out in hopes that you can help me resolve my current predicament with my student loan lender. 

I recently submitted an application ( attached to this complaint ) to have my co-signer released from my private student loans and, due to my debt to income ratio, it was subsequently rejected. After I received the rejection, I contact Navient to discuss the rejection reason because I believed it was incorrect or, at the very least, not a comprehensive review of my income. 

Although Navient confirmed I can submit a dispute to have my cosigner release application re-reviewed, they specified that their " procedures requires another credit check to be performed '' on the this disputer which, in my specific scenario, is illogical because I 'm not disputing my credit history, I 'm only disputing the income I disclosed on the application. Additionally, this issue arose from the way in which the application was written - the question of " Gross Annual Salary '' does not clarify whether it was Gross Annual Individual Salary or Gross Annual Household Income ( mine and my wife 's income combined ). 

When I spoke to the Navient Customer Service Rep, they specified that I could have either combined mine and my wife 's income under the " Gross Annual Salary '' section or included her income under the " Additional Income '' section. However, to me, this was not readily apparent when I completed the application because, from everything in the document, the questions appear geared towards the " individual '' rather than the " collective '' ( me and my wife rather than solely me ). 

My hope, by lodging this complaint, is to have my dispute handled without an additional hard credit check, especially since it 's been less than 48 hours since the initial check was performed.
For your reference, below is a timeline of the events : 1 ) Monday, XXXX XXXX, XXXX - I upload my application via Navient 's website 2 ) Monday, XXXX XXXX, XXXX - Navient performs a hard credit check 3 ) Tuesday, XXXX XXXX, XXXX - Navient emails me rejection notificaiton 4 ) Wednesday, XXXX XXXX, XXXX - I contact Navient to obtain information about filing a dispute, I 'm notified ALL disputes require a credit check. I request whether there 's an exception that can be made for me, since I do n't dispute the credit report and only want my application to be re-reviewed with my household income rather than my individual income. 

Should you require any additional information, please feel free to contact me and I would be more than happy to discuss.
I was effected by the eqaifax security breach at the time of the breach I was buying a home and all my personal info was exsposed including ssn dob drivers license number and bank info. Theives have opened credit cards in my name taken over my bank account which has caused me to fall behind on my mortgage and Im now facing foreclosure. I have contacted the credit bureaus along with the card companies trying to get things fixed and have had no luck I can even get eqaifaxs identity insurance to file a claim to help me get some of my losses recovered
There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.
I sent off dispute letters to Experian, XXXX, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
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XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
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What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
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You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
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The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
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XXXX XXXX XXXX " NO ACCT NO '' UNVERIFIED, NO-CONTRACT
My name is XXXX XXXX. My phone number is XXXX and my e-mail is XXXX. On XX/XX/18I made a check payable to XXXX XXXX for work XXXX XXXX would be doing on my yard. XXXX XXXX   deposited that check via mobile check deposit, inadvertently into his Chase personal checking account.

Chase bank froze his funds and told him they were being held by the Reclaim Office Investigation Unit. The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX IL told him he would have to go back to me and have my bank place a stop payment on the item. This was branch manager XXXX XXXX.

My institution ( XXXX XXXX XXXX XXXX ) paid on the inclearing item onXX/XX/18. XXXX XXXX XXXX XXXX  indicated to me on XX/XX/18 that there was no legal or legitimate reason they would be able to place a stop on an item that I had written, Chase had negotiated, and they paid. Additionally, XXXX XXXX XXXX XXXX also informed me that they were past their 24 hour deadline to return the item to Chase as unpaid for any reason, including stop payment. XXXX XXXX XXXX XXXX  indicated that this is not the first time that Chase Bank in XXXX XXXX has advised XXXX XXXX XXXX XXXX to " reclaim '' an item on behalf of a check writer. XXXX XXXX XXXX XXXX kindly called the Chase Reclaim Office on my behalf and the representative told them that there was no way they could just give the customer the funds that were his that the issuing check holder had to place a stop payment. XXXX XXXX XXXX XXXX  asked the Chase Reclaim Office how they could illegally place a stop payment at this point. He indicated it was legal. XXXX XXXX XXXX XXXX assured him that was not a legal course of action and he indicated he could not say anymore but that was their policy. This entire conversation was recorded by Chase Bank.

My contact at XXXX XXXX XXXX XXXX is XXXX XXXX, CRCM and VP/Chief Operating Officer. She is more than willing to speak with a representative if need be, XXXX.

I as the consumer have {$1000.00} of funds sitting in Chase bank that can't be accessed and now work on my property won't be done. Chase bank is causing harm to both me and the landscaper ( XXXX XXXX ). XXXX XXXX
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval.
XX/XX/XXXX, I called XXXX to make 1 pymt ( XX/XX/XXXX ) today {$730.00} on acct # XXXX. Spoke to rep id # XXXX wanted to charge me additional fee of {$12.00} to make pymt. I advised never have been charged a FEE to pay in past months. I asked for free method of pymt, said I could pay online at no charge. In the meantime I called in to another Wells Fargo # XXXX, and made my other Wells Fargo payment over the phone FREE AT NO CHARGE! I asked the rep id # XXXX could she also take this payment, looked it up and said no you have to pay a FEE to make this payment? But I could go online. When I sign into online the message is : Your MORTGAGE ... XXXX is not currently eligible for online payments. ETC. So I call back AGAIN and spoke to rep id # XXXX, explained this is my 3RD CALL  attempting to make this payment and she took the payment with NO FEE. This company is making it impossible for me to pay without more FEES/bouncing place to place. Inconsistencies throughout the company. Are n't they being fined for over charging fees already? Unfair practices, one person charge fee other person is not. Discrimination Make you jump through hoops to pay.
I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.
I was sent an offer for a prepaid card in the mail that included a printed card with a pre-activated account. I did not ask or authorize for this account to be created. This type of advertisement is dangerous as the card could easily be activated without my consent. I tried to contact the company, but am unable to reach a representative at any of their numbers.