WillisBack/dataset-financial-user-claim huggingface dataset:
I have been enrolled in Navient 's Auto Pay program since XX/XX/XXXX. My due date is the XX/XX/XXXX of each month. The agreement I was sent by Navient states, in relevant part, that " The payment amount of {$590.00} will be automatically extracted from your designated bank account on the same day each month... If the scheduled payment date falls on a weekend or holiday, the Auto Pay will extract the following business day reflecting your actual due date. '' Today is XX/XX/XXXX, and Navient has already withdrawn the funds from my account. Not only is today two days before the actual due date, but it is three days before the date that Navient, pursuant to the agreement they sent me, allows them the " extract '' the money ; XX/XX/XXXX, happens to be a federal holiday, so XX/XX/XXXX, is the first date that Navient has the authority, under the agreement, to " extract '' the money from my account. In addition to the date being too early, Navient further withdrew an additional amount of {$76.00} which I was not aware of nor did I agree to. 

I am extremely frustrated by Navient 's actions because the account from which they made the withdrawal did not have enough money to cover the transaction ; the account in question is used sparingly and I had to physically go into the bank to add funds to the account to ensure there would be no issues. I have multiple accounts which are segregated for different uses. I have a scheduled transfer of funds into the account in question on a monthly basis that would have ensured the proper amount of funds were in the account on the day that the " extraction '' from Navient should have been made. Now, however, I will be subject to an overdrawn fee from my bank because Navient refused to act in a manner consistent with the Auto Pay agreement.
I contacted Rush Card via the phone. Informed the rep that I had several codes and ask which promo would be bet for direct deposit. Gave the code, waited. Had problem setting up the direct deposit. Finally did and did n't receive XXXX $ sign on bonus. From XXXX I called daily being given th4e run around. I was told my code was invalid, I would receive the bonus. Needless to say when I informed the rep I was recording her rudeness she hung up. I was physically writing down her comments. I was repeatedly lied to and informed that I had been escalated and promised resolution and nothing.
I applied for XXXX XXXX  on XX/XX/XXXX and was approved through TD Bank. I placed an order on XX/XX/XXXX and then cancelled it as my promotional item wasn't included even though I had selected it. OnXX/XX/XXXX I placed a new order that included my promotional item. The order went through and I saw the pending withdrawl on TD Bank. A few hours later I get an email that my order was suppressed and cancelled. So I waited 24 hours and placed the order again on XX/XX/XXXX and again it was suppressed and cancelled. I waited 48 hours and tried to place the order again onXX/XX/XXXX and still it keeps getting cancelled. I have called XXXX and TD Bank numerous times trying to get them to fix this issue as all my information is correct but they just keep telling me it's due to a fraud alert. XXXX  says it's TD Banks issue and TD Bank says it's XXXX  issue. I've called and verified all my information over the phone but yet they still will not let me place an order. At this time I have a hard check on my credit report as well as approved financing that XXXX  and TD Bank refuses to let me use.
I received a collection letter in the mail from XXXX XXXX XXXX claiming I owed them {$1000.00}. I called XXXX because I don't recall taking all XXXX of my children to the hospital. When I called them they attempted to collect the said amount, I told the gentleman on the phone that I needed him to validate the debt before we discuss anything else. He told me that I should just call my insurance company and see what they have and haven't paid. That seemed like it would take forever so I asked that he just send me the documentation that would validate it. He was starting to get snippy as if he didn't want to help me figure out what the charges were or if the account was even mine. He finally agreed to send the documentation I requested. Later that week I received so called statements from XXXX  that they claimed to have gotten from the original owner of the debt. ALL 3 of these statements were addressed to my XXXXyo daughter, not only that. In the original collection letter they state that all XXXX of my children healed a balance but when I got the statements they only showed my XXXXyo. I believe these statements to be forged and inaccurate. I also never gave out permission for my children 's medical record to be released either.
This month, XX/XX/2018, a Medical Debt Collection Account by South Mississippi Collection Services , INC posted to my Credit Reports. My credit report shows that this Collection Account was opened in XX/XX/2018 with a late amount of {$64.00}. Per the Fair Debt Collection Practices Act ( FDCPA ), I WAS NOT notified of this debt to allow me to dispute its accuracy. By my LAWFUL RIGHTS, I am requesting a DEBT VALIDATION of this Collection Account.
Unknown Accounts on my credit report DISPUTE XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$72.00} Balance Updated - Credit Limit - Past Due Amount {$72.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$59.00} Comments - ENHANCED RECOVERY CO XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$71.00} Balance Updated - Credit Limit - Past Due Amount {$71.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$71.00} Comments XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount {$2000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$2000.00} Comments - XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$920.00} Balance Updated - Credit Limit - Past Due Amount {$920.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantoXXXX 's internal collection department Status Updated XXXX Balance {$1600.00} Balance Updated - Credit Limit - Past Due Amount {$1600.00} High Balance {$1600.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
I have sent out the bankruptcy letter to XXXX and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
XXXX XXXX XXXX-2017 Not my account Fraud account identity theft
HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.

Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX  [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.

XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.

XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.

XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.

I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.

XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.

XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.

XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.

XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.

As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.
On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.
This complaint is a follow up to complaint XXXX, which US Bank responded to on XX/XX/XXXX stating that they would follow up with a letter and resolve the issue. The issue remains unresolved nearly 2 months later. The original issue dates back to XX/XX/XXXX. This issue has therefore remained unresolved for nearly 3.5 months since US Bank was notified of the issue. On XX/XX/XXXX, I purchased a US Bank Prepaid Mastercard from XXXX XXXX XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more information. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card.. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message. Following my complaint XXXX on XX/XX/XXXX I received an XX/XX/XXXX response incorrection stating that my card was a US Bank issued Kroger gift card, and that they mailed me a statement of disputed transactions for me to fill out and return. As stated in my original complaint, the card was purchased at XXXX XXXX XXXX, not Kroger. Regardless, on XX/XX/XXXX I completed the Statement of Disputed Transactions and returned the form to XXXX XXXX XXXX, of the US Bank Complaints Response Team. ( See Attached ). I followed up with XXXX XXXX to confirm their receipt of the statement on XX/XX/XXXX. She responded on XXXX XXXX that they had received the form, and that she had just received word that the Disputes team had processed my statement of disputed transactions and that they were working on my case. On XX/XX/XXXX i requested an update from XXXX XXXX, since I had heard nothing. Hearing nothing, i followed up again on XX/XX/XXXX with an email to XXXX XXXX, stating that if I got no response I 'd have no further options except to file another CFPB complaint. I have yet to receive a response. The replacement gift card provided to me still sits with an approximate {$25.00} balance.
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17
I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.
Thank you for taking the time to review my complaint. Below is an email that I sent to GM Financial on XX/XX/XXXX, in regard to my family 's 2 leases through them. I have not received any correspondence from them to my knowledge, and really just need the 2 late payments removed from my credit report. 



To whom it may concern at GM Financial : I am writing to dispute the negative reporting on my credit bureau that was due to your negligent website, dating back to XX/XX/XXXX/XX/XX/XXXX. As you may recall, GM Financial underwent a seemingly major website overhaul, or website maintenance period where inaccurate account information was shown. We have 2 current leases with GM Financial, and I log in to pay them twice a month. At that time, I was neither unable to log in to my accounts, NOR was I able to reach anyone with your company as the customer service department was not taking calls. 

Once it was " fixed '', there was a past due notice on the main payment screen where both leases are listed, but not once I clicked on " make payment '' on either account so I assumed everything was on track. I've attached a screenshot of how the actual payment screen looked at that time, and as it still looks today. You can imagine the confusion that ensues from the complete lack of cohesion and transparency on your website. No matter what the main payment screen says, the ACTUAL payment screen ALWAYS shows zero for every line. The user must open a new browser screen or flip back and forth between the main page and the payment page to make sure they are free-typing in the correct payment amount. 

This is completely ridiculous. I pay every other family bill online and your site is by far the worst interface to deal with. At the very least, I recommend fixing it to reflect accurate payment information on the main payment screen, among other customer focused upgrades that are necessary to avoid future problems for your company. 

I kindly ask that you remove the negative reportings from my credit bureau ( the 2 30+ days late payments from earlier this year ), due to your negligence and extreme customer service shortcomings.
The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. 

The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.
We were scheduled to close on the house we were selling and the house we were buying on XX/XX/2016. After signing all of our papers, we learned that Accurate Mortgage here in XXXX, TN made an error when approving their client for purchase of our house. They were aware of this on Thursday and that closing could not occur, but they tried to add a buyer to the property we were selling without informing us of the change. 

On Friday morning we had the XXXX removed from our house, threw away all of our food ( house we were closing on did n't have a fridge ), packed the uhaul, and removed all contents from the house. However, Accurate Mortgage knew on Thursday closing could not occur on Friday. I then spent all day on Friday ( taking off work ) with my title company waiting for Accurate to close. When they did not, we had to return to our empty house with no possessions and wait 10 days for the new buyer on the loan to be approved. 

Because Accurate did not follow proper closing prep documents, they were unaware they could not fund their clients until the day before closing. Then, they did not inform us and we had everything taken from the house and were forced to wait 10 more days. Our realtor called the Agent and this was his response : " The loan officer for your buyers was XXXX XXXX, pointed the blame towards Accurate Mortgage company procedures as far as not catching the glitch in underwriting sooner, not notifying anyone of a potential issue that could delay closing and of course, sending out the closing package without having the clear-to-close '' Because of their negligence my wife and XXXX year old son were left in an empty house for 10 days sleeping on air mattresses and having to buy everything needed to live for another week. This includes : having utilities transferred back to our name, groceries, clothing, paying to keep the XXXX 10 more days, food, doing laundry at our church, and other stresses and difficulties of living in essentially a vacant house.
I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
After viewing credit report there is a Charge-off of an amount that I have never been aware of.
I sent PNC Bank a debt validation letter on XX/XX/2016 to see about the debt that 's reporting to all XXXX credit bureaus. Company responds via letter dated XX/XX/2016 through the mailing stating that everything that they 're reporting to the credit bureaus are accurate, however received another letter XXXX days later dated XX/XX/2016 stating that they were unable to send validation due to not having enough information from me. I 'm going to include the correspondence that between the lender and myself. In the request for validation letter I submitted everything to them.