WillisBack/dataset-financial-user-claim huggingface dataset:
My chase ink credit card was set up for automatic payment. I had not used the card in a while and forgot it was on an account of mine. A charge went through. Six months pass on the charge that I had no idea had taken place and I get a written communication that my account is delinquent. This was news to me, since I had other accounts with chase that were all in great standing and this was the first I was hearing about my missed payment. I called as soon as I learned there was a problem and made two payments in the next few days to square my account. I spoke with a number of representatives some very nice and others not very helpful or understanding. When I asked why they waited over six months to contact me they said they had sent multiple emails and made numerous calls about the issue. I explained I had not received the emails and they insisted I did. I also asked when trying to contact me by phone why there was never a message left? They told me they were not required to leave a message, which makes no sense at all if one is truly trying to resolve a delinquency issue. I finally said, if the other methods all failed, why wait half a year to send me notice by mail. They responded they had sent numerous letters. I never received any emails and I do n't answer numbers I do n't recognize due to the potential of scams. I asked for dates the other letters had been sent to me and they would not provide me with any information. The truth is, I only ever received one written notice and as soon as I did I settled my account. I am not an irresponsible person! I have a few other credit cards with chase one of which I pay for most of my expenses with, and then pay on time every month. I also have a saving and checking as well with Chase and at no time was any serious attempt to contact me sooner through those avenues ever made either. Now, due to poor customer service and a substandard method and or system of contacting a customer, I unfairly have a pretty ugly ding in my credit.
XXXX XXXX XXXX reported wrong information to XXXX. They reported XXXX wrong addresses, wrong criminal history, and they counted XXXX of our closed/paid off monthly financial details ( {$460.00} ) towards our current monthly payments.
Equifax has failed to comply with my request to permanently remove an extended fraud alert. I have wrote to Equifax to remove the extended fraud alert on my credit report. Equifax has since re add the fraud alert back on my credit report after I had previously wrote to them to have it removed.
Like your recent consent order with the credit reporting agencies, I requested a Free Credit report from Experian on XX/XX/2015, expecting to receive my credit score for free as advertised on the website. Through clicking through the options to receive my " free '' score, I was unknowingly enrolled in some premium credit monitoring which was billed to me in three separate transactions : {$1.00}, {$21.00}, and {$39.00}. I disputed the charges directly with Experian, who refunded the {$39.00} which was an annual fee, but I did not receive a refund for the {$21.00} since time had elapsed since I had " enrolled '' and thus they determined I was " using the service '' which is obviously a bogus claim. I do n't seem to be an Affected Customer under your recent Consent Order but from my experience it sounds like these deceptive practices were also ongoing at Experian.
AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of XXXX now this XXXX thing is now from bc services -- - origionally did give credit bureau of XXXX the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX
On XX/XX/2018 I applied online for a loan from XXXX. I spoke with a XXXX XXXX. He went over the loan installment agreement with me over the phone. The loan was for a disbursement of {$7600.00}. 

After speaking with him he said the interest rate would be 35 %. First payment would be {$480.00}. Second would be {$560.00}. After making my first payment. A letter was mailed to me almost two weeks later with a date of XX/XX/2018 on the Disclosure Agreement. This was sent after the fact. 

After receiving and opening the letter it included a Disclosure and Promissory Statement. On this statement it indicated I would be paying a 101.85 % interest rate! I about " fainted '' and was not told, and but lied to on the phone from XXXX XXXX about the interest rate. 

Mr XXXX had scammed me into a high interest rate loan. 

After pulling up further information on the XXXX website under my account. I then discovered that {$0.00} dollars was applied to the {$7600.00} principal of the loan! I would be paying back " {$47000.00} '' over a 7 year period on a {$7600.00} loan is illegal! 

They also took {$950.00} out of the principal {$7600.00} loan and only disbursing {$6600.00} and wanting me to still pay back {$7600.00}?? 

On the disclosure agreement I did not sign or agree to any paperwork claiming this 101.85 % interest rate. 

I then immediately went to my financial institution XXXX XXXX XXXX and closed my checking account. On XX/XX/2018 I contacted XXXX and spoke with a Manager. He was also lying to me about the interest rate and claiming they are exempt from the Usery Law and can charge any interest rate they chose. 

I inform them I closed my checking account. I told them I would pay only back the {$7600.00} on a legal interest rate. They refused. They have scammed me out of money as well as reported this illegally to the credit bureaus. This is a fraud situation by XXXX.
I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.
Vanderbilt has refused to provide me with all documents, forms, and contracts that may pertain to offers that they have made to settle our account. They proposed XXXX offers. XXXX was for deed-in-lieu of foreclosure, and the second was for a cash settlement to mature on XXXX/XXXX/2016. The have provided the jest of XXXX offers, but have yet to provide complete documentation that would be signed should we agree to either of the offers. I need to review the complete settlement agreement ( s ) including terms and conditions, legal disclaimers, waivers and omissions, clauses, releases, and all other verbiage contained therein. Without this information I can not make an informed decision and can not possibly know my full rights related to these settlement offers. I need to be able to review them in their entirety and have ample time to have them reviewed by legal counsel as well. I received correspondence from Vanderbilt 's portfolio manager, XXXX XXXX, indicating that he did not believe I needed this information. Due to the deadline for acceptance or rejection of this offer, it is imperative that I take the time to make this request even during the holidays. If Vanderbilt can not provide the complete contracts for both offers proposed, then no offer was truly made. I have many questions as to what these final agreements might look like and what restrictive verbiage they may or may not contain. For example, XXXX XXXX, debt collector for Vanderbilt, suggested that I would have to sign an agreement that if I were unable to acquire the funds needed for settlement, I would have to turn the keys over and walk away from the home. He also stated that Vanderbilt would include a clause stating that I would waive my right to legal recourse should I accept their offer to settle the account. This is why I must see any and all verbiage associated with both of the offers. Contrary to XXXX XXXX 's statement to his legal department, quote, " I am really not sure why he wrote us this asking for us to give him our offer again. XXXX gave him the XXXX options we were willing so I am really not sure why he is asking for us to provide that again??? 
XXXX, do we need to give it to him again in writing? '' end quote, I have never received anything other than a vague proposal with no further information that would allow me to make an informed decision. This has already happened twice before when they sent agreements to offer payment assistance and loan modification. 

So I respectfully request this information in its entirely as well as an extension of 30 days for review by myself and counsel. I have attached the original email where I requested this from Vanderbilt.
Wellsfargo refuses to accept payment on account, even though i have payment posted to them multiple times.
CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX  AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit
I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.
In XXXX of 2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XXXX of 2018 with no balance and paid as agreed. I received a bill in XXXX of 2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XXXX of 2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 XXXX reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with XXXX and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with XXXX is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
Regarding Fay Servicing LLC. With our XXXX payment, we included an additional {$1100.00} to increase the balance in our tax escrow account. It was noted as an additional payment on the remittance coupon. Fay did not credit to the Escrow account, rather, applied it as a " Principal Reduction '' payment. On XX/XX/XXXX, I contacted Fay regarding their error. I was promised that it would be corrected. Despite an additional phone call during the week of XX/XX/XXXX, the error remains uncorrected.
I have written to Fay Financial at least four times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter was dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting " foreclosure iniitiated '' and XXXX days past due when there is a XXXX balance and the fact that no foreclosure was ever started.
On XX/XX/XXXX, the refinancing of my Citibank , N.A . home equity line of credit ( known as a " Variable Rate Equity Source Account '' ) was completed. This was a typical no-costs refinancing, as indicated in the closing Disclosure Statement which listed each of the specific individual Closing Costs, and provided that these costs would be paid by Citibank. Later, on XX/XX/XXXX, I received a final Statement from Citibank for my paid off account, which included a line item called Early Closure Fee in the amount of {$3200.00}. I immediately contacted the Citibank Mortgage Loan Coordinator with whom I worked on the refinancing from application through closure. This Early Closure Fee was not mentioned in the closing Disclosure Statement or any of the other closing documents, was never mentioned at any time by the Mortgage Loan Coordinator after numerous emails and phone calls discussing the terms and details of the refinancing, always assuring me that there were no other costs involved in the refinancing. I would have never even have discovered this Fee, which was simply added to the closing Payoff Amount, if I had not reviewed the final Citibank statement that was mailed almost 3 weeks after the closing. For the next month, I emailed back and forth with the Mortgage Loan Coordinator, who admitted " It was my responsibility to catch that, and somehow it slipped by me, '' followed by emails assuring me that she was working with her managers, and assuring me that the matter was diligently being worked on and that I would hear from them. But since her last email to me of XX/XX/XXXX, there have been no more replies to my requests for an update. A number of times I requested contact information for her managers or others to whom I could escalate the issue, but she did not provide that information. Your help in resolving this matter would be greatly appreciated.
Although proper insurance information was provided on multiple occasions for our mortgage loan on a townhome we own, Ocwen forceplaced insurance. This exact same situation took place back in XX/XX/XXXX where we provided the information XXXX times and had to file a complaint with the CFPB in order for Ocwen to cancel the forceplaced insurance. Back in XX/XX/XXXX, we were told this would not be an issue going forward. Not only is it an issue but our HOA did n't change insurance agents so it makes zero sense that they would need new insurance coverage as our current coverage was in effect still. 

On top of that, the forceplaced insurance binder they provided in our letter dated XX/XX/XXXX has effective dates of XX/XX/XXXX to XX/XX/XXXX. If it was for last year why on earth would they be sending it now? If it 's for this year, why have they not used the information that we have provided to them on multiple occasions? 

Ocwen is an embarrassment to the banking and mortgage industry and clearly has not taken the needed steps to address the previous complaints and enforcement orders. As a Certified Regulatory Compliance Manager for a FDIC regulated community bank, I am absolutely disgusted by the actions of Ocwen.
This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.
Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. 

Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.
the lender removed money from a bank account i did not authorize for them to debit causing me to lose my mortgage payment so i will be behind in my payment. they also debited the same account 3 times for over the amount of the loan
On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.
Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees.