WillisBack/dataset-financial-user-claim huggingface dataset:
The " Manage Alerts '' settings on my student loan account has been set to inform me via email 3 days before the payment is due since I got my student loan. I have searched my emails and I have never got any emails from Wells Fargo prior to a payment. Wells Fargo has sent me emails when my student loan payment was past due, yet I never opted to receive them in my " Manage Alerts '' settings nor is there such option to receive such emails. 

Wells Fargo froze my online banking access for a long period of time and did not inform me of doing so. The site just prompted me to verify a code that they sent to my old phone number that I no longer had access to. The first time I called about it, they told me that they changed the password requirements and that, when I asked what the new requirements were, my old password met all the " new '' requirements ; they did not have an answer for this. I then updated my phone number with them, verified that the number was correct on my online banking account, and tried to login but I never received the verification code text message upon requesting one several times. I called a second time, they told me that the reason I could not login was because they froze my online banking access due to inactivity ( which I may point out is a entirely different reason than changing password requirements ). 

Next, I called student loans. I told them of this situation and I asked them to remove all late fees during the period of time of freezing my account. They told me they would remove two and then proceeded only removed one late fee. 

In conclusion, Wells Fargo prevented me from accessing online banking for several months without notice, has failed to inform me of my upcoming payments despite the fact that I specifically have my settings from them to do so, has sent me emails on past due balances that I did not request nor does Wells Fargo have my consent to send, lied to me about the amount of late fees they would remove from my account, and, therefore, have charged me late fees/claimed interest for a loan in which they have failed to follow the agreement, between myself and Wells Fargo, to : provide me access to online banking, provide me with the ability to pay my loan through online payments, inform me of changes made to my online banking account and its policies electronically, and provide me with accurate/true information from their customer service representatives as well through their online banking service. 

Attachments : wfevi = screenshot from wells fargo online banking showing that I had opted to receive emails 3 days prior to when each payment is due.
Screenshot = inbox search for " wells fargo student loan '' with no emails for payment due in 3 days. Just late payment due emails. 

Evidence for other claims can be provided upon your request.
I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.
On XXXX/XXXX/XXXX I received a call from XXXX ( would not disclose last name ) of Professional Finance Corporation of XXXX, Colorado about a debt of {$33.00} from XXXX XXXX XXXX. They wanted payment made over the phone. I refused not knowing whom I was talking to. I asked for details and followed up with XXXX ( would not reveal last name ) from XXXX. The file number was XXXX. Upon review of the file XXXX informed me that my insurance company had not been billed by XXXX and he would do so. Not trusting the system I went to Professional Finance Corporation in XXXX Colorado on XXXX/XXXX/XXXX and made a payment of {$36.00}. The original claim date was XXXX/XXXX/XXXX. In speaking with XXXX ( would not reveal her last name ) from Professional Finance Corporation XXXX XXXX, Colorado I was told they had made two other phone calls and sent me a letter as well. I received no phone calls or letter. I asked for documentation and XXXX informed me that I could not have that information. I was later sent a letter stating that the debt had not been reported to any credit reporting agency. I will follow up within 90 days by reviewing my credit report as suggest by XXXX of Professional Finance Corporation as a sufficient time for them to make any corrections. I received a statement from my insurance company XXXX on XXXX/XXXX/XXXX showing they in fact had been billed and that my co-payment was {$2.00}. I have made several payments to XXXX XXXX XXXX between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and ws never informed I had an outstanding balance.
I obtain a XXXX XXXX from Continental Finance XXXX, making my monthly payments on time, even got an increase of credit. Well in late 2013 i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.
I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.
I have got my social security and birth certificate and California I 'd and my I 'd has been stolen once and my social has been used and does not match my name and I 'm the official XXXX XXXX XXXX my social has been used and misused without my concern and I unexpectedly get random letters or information I have n't applied for but this is my XXXX time I 'm XXXX and I refuse for my life to go down hill for something unusual I 'm not use tootoo. My I 'd has been stolen once in XXXX and my birth certificate got stolen last year of 2014 and my XXXX has been stolen from me last week. So all I have is my I 'd and that 's it
Last week Transunion had a Glitch that erased and re-inserted my credit inquiries without my knowledge. I have screenshots that can show where they were taken off and returned. This reinsertion without prior written notification are a direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquiries be permanently removed from my credit report.
I received a phone call that said a debtor was on the way to the courthouse to file a judgement against me. I needed to call them back immediately at XXXX to prevent them from garnishing my wages and seizing my bank bank accounts. They would not give me any other information on the debt, company trying to sue me, or anything else except a case number I called the XXXX number and someone immediately picked up and asked for the case number. 
They stated they were XXXX XXXX and they had been assigned this case by the attorneys. 
I told them the case number and they said that the same information. 
That they would be filing a lawsuit in a couple hours if I didn't immediately settle the debt with them. 
I asked what the debt was. They stated that it was a account from over 15 years ago. I questioned the legitimacy of the account. They than said that they notified me by mail recently ( which i did not receive ). They than said they would send another letter to me. 

This was suspicious because of the previous call ( and this one ) saying they were on the way to file a lawsuit. 

They provided Two addresses in the letter I received from them today. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is a XXXX XXXX at a Mail and More store. and where they want payments or dispute forms sent. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is the US Post Office branch XXXX XXXX . 

The state corporation website does not have a listing for XXXX XXXX in XXXX CA. 
The city of XXXX also does not list XXXX XXXX as a business at either of those two locations. 

There is a company listed by the state called XXXX XXXX XXXX, XXXX. 
Entity number XXXX listed as XXXX XXXX. 

This company has XXXX XXXX XXXX XXXX XXXX XXXX listed as the Mailing address. 
( same as XXXX XXXX. ) XXXX XXXX XXXX, XXXX was involved in a lawsuit in NY XXXX District Court. 
case number XXXX. 

I have not contacted them again due o the fact that they gave me XXXX XXXX 's as a business address, The actual business name is in question, and might not even be currently licensed in the state of California, and primarily because the first contact from them was saying that they were on the way to the courthouse to file a lawsuit unless I settled with them over the phone for a old questionable debt.
In XXXX XXXX I started to receive collections phone calls from Navient. I was receiving several in one day. They stated I was delinquent ( a {$450.00} ), however I had the canceled checks on my bank account showing I paid. I made several dozen phone calls, often being on hold for upwards of 45 minutes. I ended up speaking with XXXX ( employee number XXXX ) a supervisor from the months of XXXX XXXX to XXXX XXXX to have the problem resolved. As it turns out when I mailed my checks, they processed two incorrectly on their end. They cashed my checks to the XXXX XXXX XXXX, the WRONG department of their company which I do NOT have loans with. It was a bit confusing to me that they have 2 separate departments. Even though it was their error, and they admitted to it, they could not just transfer the money internally in their company. They said the only way to fix the issue was to cut me a check and refund my money. Then with that money, I could re pay them and they would apply payment to the correct department. I waited for this refund from XXXX XXXX to XXXX XXXX. Each time I called they said it was coming. It never did. In speaking with XXXX in XXXX, he said they refunded the wrong person ( not me )!!! They ended up eating the cost because they made another mistake. He said I was all cleared and paid up, not to worry about getting a refund and repaying to the correct department. They ended up in the end, just transferring the money I already paid to the CORRECT department. This is what I asked them to do in XXXX. The issue was not resolved until XXXX ( six months ). <P/>However, it has come to my attention that they have done the same thing with my XXXX and XXXX XXXX payments ... .cashed them incorrectly to the wrong department in Navinet . So on their end, it looks like I am delinquent. However I have the canceled checks to prove I paid and they cashed them. I have left a message with the advocate, they have not called me back.
<P/>
Attached are the cleared check for what they are saying I did not pay. Attached is also the Navient statement saying I paid as well!
Back in XXXX of 2017 I was denied XXXX XXXX XXXXXXXX so lost 6 weeks of pay. MB Financial said I could modify my mortgage to a 30 year mortgage. No one returns my calls. I have left over 5 messages since X/XX/17 including another one today X/XX/17. I work in the financial industry & it should only take 30 days at most to modify a mortgage. I am getting the run around & continue to rack up fees because they do n't call me back nor have started the next steps to modify my mortgage. They give me fake phone numbers too. I have names & direct phone numbers in their loss mitigation department & either it rings and rings or numbers not in service. I do n't want to lose my home. I 've been a single XXXX mother for 17 years. No one calls me back or has started the mortgage modification process. Please help me.
I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.
Equifax is not responding to my requests to investigate and remove one account from my credit report that does not belong to me.
I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.
After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report.
Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation
Navient is consistently misapplying my payments. I make an overpayment each month to my loans. I always select to be billed in full for my next monthly payment rather than having my payment due date advanced. On more than one occasion, my payment due date has been advanced despite my request not for that to occur. My default profile setting even says how to apply my overpayment. 

I have my student loans set on automatic payment. I would not have caught these misallocation if I didnt check my statement on a monthly basis. Who knows how many consumers are being taken advantage of this unethical organization. I have to call in each time to get this corrected. Most recently, the representative would not give me a reference or ticket number for the correction. 

My payment due date was advanced on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is just within the past year. It should not have been advanced and I should have been billed monthly. By advancing my payment due date, my overpayments are not being applied strictly to principal. This allows Navient to charge me more interest since my principal is not decreasing accordingly. This is illegal and wrong.
Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.
I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.
We have a son who was an XXXX  and over the years robbed us. We tried to get him help, tried to keep him from getting at our money but XXXX  are very resourceful. We became behind in our mortgage several times and had some success with modifications. However two years ago he did it to us again, and we were once again behind. We have spent the last two years trying to work something out with US Bank and they will not assist us. The issue with our son as been resolved and we make more than enough money to stay in a our home, but the bank will not restructure our loan so that we can stay. With a restructured loan at .50 % more over the life of the loan only increases the loan by approximately $ XXXX dollars a month. This is all we want is a restructured loan so that we can stay in our home for a couple of years so that our credit can recover and we can downsize into a less expensive home.
XXXX XXXX XXXX D.O.B- XXXX/XXXX/1974 SSN- *********** I have recently contacted via phone Experian regarding my credit report. There is inaccurate information, like credit limits, missed payments, accounts that do n't belong to me, and unauthorized inquires on my credit report. Experian has told me that they were going to fix it, but at this point they have not fixed anything, I have not received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Experian has inaccurate information on my credit report.
Called capital one to check on the status of my application and the representative saidbshe didnt want to answer my questions and hung up.
I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, synchrony amazon, synchrony care and XXXX. I will give account numbers upon request.
For the second year in a row, XXXX XXXX has claimed that I had no hazard insurance on my property and purchased insurance on their own to cover my property. The property is part of a condo development and insurance coverage is automatically purchased every year by the condo association. I have owned the property for 15 years, through two previous banks. There was never a problem about proper insurance coverage until Statebridge bought the mortgage. This year, when I finally located all the insurance information and it was sent to them, Statebridge pocketed the funds that I paid to them while waiting for the insurance information. Statebridge has not refunded the insurance premiums in the amount of {$330.00} I paid to them to avoid issues of non-payment since they attached the cost to the mortgage statements. They were refunded a total of {$990.00} by their insurance company. 

I want Statebridge to correct the mortgage statement to reflect the actual monthly mortgage payments that should be paid - {$730.00} and to refund the {$330.00} I paid to them for unneeded hazard insurance. Last year, we went through this same issue and finally resolved it when the condo association insurance company provided insurance documentation directly to Statebridge. Statebridge then sent me a check for the amount I had paid to them for unneeded hazard insurance. This year, in XX/XX/XXXX I was told the same thing - that the insurance coverage had expired and unless I provided evidence of coverage, Statebridge would purchase insurance and charge me. A simple review of their own records would have been sufficient to check renewal of coverage. When I talked with the Statebridge insurance contractor, they had the name and phone number of the condo association but claimed to have no info on the condo association 's insurance carrier. I suspect this is a way XXXX XXXX is getting additional funds to use for investment purposes or whatever.