WillisBack/dataset-financial-user-claim huggingface dataset:
On my credit report it shows navient has wrote it off and a loss. But when i look on my report it shows the increased my balance by XXXX dollars. This is ridiculous. I have had nothing but problems with them. I tried to contact about my account when it was still openers to set up payments and they told me to call back in 7 days. I did this for a while until I seen that it was a ride off on my credit. Since my account is closed why is my account keep raising. They are horrible people. I mean someone ca n't make XXXX dollar payment but said they would try for a XXXX and the decline it. At least I was trying. Worthless company.
I have a car lease loan with US Bank and I was told by the XXXX dealer that I got the car from that I would get a " pull-ahead '' discount on my vehicle and also up to {$2000.00} in credits towards a new vehicle, which my current vehicle is due to be handed in in XXXX. I have not gotten a " pull-ahead '' or any discounts or credits from US Bank. Normally, these " pull-aheads '' and discounts take place 3-4 months prior to the expiration date of lease loan. Apparently, the " pull-aheads '' are NOT from XXXX but rather from the loan company. Some people get it and some do not. Since this is a federally regulated bank, this would be considered discrimination. Please investigate. Thank you.
American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.
I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?
I have a security freeze on my credit file. So does my wife. Whenever we try to lift our freeze temporarily we ALWAYS get the same warning " Were sorry there is a technical problem with our system ... .... '' We try to phone in and the automated telephone system doesn't work either. It only allows you to place a freeze on your credit, but you cant go through the automated system to lift it. You can't even talk to someone, you go through all the menus and you just go round and round hearing the same recordings over and over, and can never talk to someone in person. We need access to our credit and Experian is holding it hostage.
Date Description Principal Interest Fees Total XXXX/XXXX/XXXX PAYMENT ( {$83.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX PAYMENT ( {$84.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX DISBURSEMENT {$1100.00} {$0.00} {$0.00} {$1100.00} XXXX/XXXX/XXXX PAYMENT ( {$78.00} ) ( {$140.00} ) {$0.00} ( {$220.00} ) XXXX/XXXX/XXXX PAYMENT ( {$28.00} ) ( {$71.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$18.00} ) ( {$81.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$38.00} ) ( {$190.00} ) {$0.00} ( {$230.00} ) XXXX/XXXX/XXXX PAYMENT {$0.00} ( {$71.00} ) {$0.00} ( {$71.00} ) XXXX/XXXX/XXXX CAPITALIZED INTEREST {$0.00} {$0.00} {$0.00} {$0.00} XXXX/XXXX/XXXX PAYMENT ( {$49.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) Total Current Balance : {$89000.00} Loan Current Balance Interest Rate Due Date XXXX DL Consolidated - Subsidized {$35000.00} 6.250 % XXXX/XXXX/XXXX XXXX DL Consolidated - Unsubsidized {$46000.00} 6.250 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$5100.00} 6.310 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$1100.00} 7.000 % XXXX/XXXX/XXXX
Received a voicemail from the collection bureau of hudson valley attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
This company called my parents asking for me. They asked personal information like where I live, where I work, etc. My parents refused the information and the man on the phone threatened that he will find me sooner or later and that I am being served papers due to an unpaid debt. 

He would not give information about the debt, would not give his company name, and only gave a very generic name, " XXXX XXXX ''. 

I do not currently have any debts that are within the Statute of Limitations in the state of Maryland. 

The man on the phone also stated that he will send the summons to my home or place of employment. He stated that it would be very embarrassing to send to my employment so I should contact him as soon as possible to provide the correct information.
On XXXX XXXX. 2016 I received a letter to XXXX credit regarding several inquiries on my Equifax credit report. I had sent them a letter disputing these inquiries. The letter to stated that I should dispute these directly with Equifax. I did dispute these along with many others which I did not authorize. On XXXX XXXX, 2016 I received a letter from Equifax stating I should dispute these with XXXX. I sent Equifax a copy of the letter I received from XXXX credit. I am not sure why they refused to investigate thesee inquiries, the letter said these were a matter of record and I should dispute these with XXXX credit. I sent a copy of the original XXXX response letter and a copy of the letter I received from Equifax to XXXX again. Once again I have received a letter from XXXX stating that these should be disputed via Equifax. This cycle is kind of like a puppy chasing its tail. Equifax is making it impossible to dispute the inquiries I sent in letter for. I believe the only way to get them to do their jobs it to file a complaint. I want Equifax to finally dispute the inquiries I sent them letters for.
XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.
On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.
Wells Fargo Bank has refused to modify my mortgage even after I made all the modification agreement payments. 
1. In XX/XX/XXXX I entered into a modification agreement with Wells Fargo bank to modify my mortgage. 
2. The modification agreement stated that after I made XXXX XXXX XXXX XXXX payments, Wells Fargo would modify my mortgage. 
3. I made the XXXX mortgage payments to Wells Fargo Bank. 
4. But Wells Fargo has not modify my mortgage. 
Wells Fargo Bank has refused to provide me with modification assistance since XX/XX/XXXX. 
5. I have been applying to Wells Fargo bank for mortgage modification assistance since XX/XX/XXXX. 
6. Even though I was qualify for a Mortgage modification in XXXX, Wells Fargo refused to provide me with Mortgage assistance. 
7. On multiple occasions in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Wells Fargo bank has refused to evaluate my Mortgage Application in violation of RESPA laws. 
8. Wells Fargo violations of RESPA consumer laws has continue to harm me and my family even after I made all the payments under the modification agreement. 
9. These action by Wells Fargo has adversely affect my credit standing. 
10. These mortgage lending violations by Wells Fargo Bank has severely harmed me in my ability to obtain new credit, and obtaining credit at excessively high interest rate.
XXXX XXXX # XXXX. 

SLS has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

SLS is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?
This is in reference to CFPB complaint # XXXX XXXX XXXX XXXX stayed the accounts were closed a referred back to Pendrick Capital Partners. Due to their history of unethical practices, which is public information I feel it necessary to submit this complaint. I demand that the accounts listed in the referenced complaint be removed. ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX  ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX.
My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

Thank you!
In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.
I opened an account with Citizens Bank XX/XX/XXXX with {$5000.00}, explaining that I wanted an interest-bearing account but did not intend to draw on the account at all. I was told that a " Money Market Account '' was appropriate and that, to avoid the imposition of fees, I should arrange to have my monthly statements emailed rather than sent via regular mail. I completed the paperwork and subsequently received statements by email, although I did not review them carefully because I knew I had not made any withdrawals ( or deposits ) to the account and expected the balance to remain stable. XX/XX/XXXX I received XXXX letters by regular mail from Citizens Bank advising that an " inactive account processing fee '' of {$50.00} would be assessed and the account funds transferred to the XXXX of XXXX based upon " unclaimed property law. '' I brought the letters to my local branch ( the same one where I had opened the account ) on XX/XX/XXXX. I was told, in essence, that my account balance was approximately {$4200.00}, having been assessed " relationship fees '' of $ XXXX/month and " inactive account fees '' of $ XXXX/month since the account was opened. When I spoke with the manager, he credited my account only XXXX months ' worth of fees ( {$67.00} ) and blamed me for not having read my statements more carefully. I closed the account immediately and was handed a check for {$4200.00}. On XX/XX/XXXX I sent a letter of complaint to the Chairman and CEO of Citizens Bank in XXXX, XXXX requesting a refund of the {$720.00} in " fees '' taken from my account along with the interest I should have earned on my {$5000.00} deposit for 3 1/2 years. I received a voice mail message from " XXXX in the Office of the Chairman '' on XX/XX/XXXX. I returned her call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX leaving voice mail messages each time. She finally called me back the afternoon of XX/XX/XXXX and advised me that the very most she could rebate me was {$240.00} ( XXXX months of " relationship fees '' and XXXX months of " inactive account fees '' ) and that she would have to re-open my account to do so. She also informed me that this was my only option to obtain redress, and that this was the " highest level '' at XXXX to which my complaint could be brought. I received a call today ( XX/XX/XXXX ) from " XXXX in the Office of the Chairman '' to advise that the check for {$240.00} was on its way, my account had been closed according to my instructions and she " just wanted me to know the outcome. '' Unfortunately, I know the outcome all too well -- I am still out nearly {$500.00} in " relationship '' fees that Citizens Bank can not possibly justify.
Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!