WillisBack/dataset-financial-user-claim huggingface dataset:
I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers.
XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable rate.
I went to my closest chase bank in XXXX NJ to report that there was transaction on my bank account that I did not recognize. This transaction was made for {$290.00} on XXXX XXXX XXXX. I talked to a representative there who told to first contact XXXX XXXXl and then if I could not resolve it, to call the bank in order to open a claim. I did just that. I called XXXX XXXXl and they promised me to refund the money. XXXX XXXX reported that some one named " XXXX XXXX '' had used my bank account and routing number to purchase an XXXX  through XXXX. XXXX confirmed the transaction. I waited about 2 weeks and no refund. I called Chase and I opened a claim. The bank assured me that they will block my account to prevent future events. They also returned the money XXXX while they were investigating. Chase told me that they will send me a letter that I was going to sign and return ( which I never received ). A few days later, the money was taken out of the account ( XXXX XXXX ) without notifying me of anything. 
I called the bank and they told me that they could not do anything about it because 60 days had already passed. But I was never told that when the claim was opened, 60 days already passed since the transaction and they opened the claim anyways and did not notify me that it was not going to proceed. I was told by XXXX the supervisor at Chase over the phone that people were there to open claims but they are not supposed to tell that it is not going to proceed because 60 have passed. 
I asked how they protect my personal information by authorizing a transaction without information that matched my account. THey had no answer for me. I was told that they could not do anything about it. 
Also because it was a High School account that I shared with my daughter there is a limit expenses of XXXX $ no more. So how did this transaction was approved. 
Chase bank does not have answers for me. 
XXXX always very hard to get to speak with someone and one someone answers the phone they says that the claims department is close. pls help XXXX XXXX XXXX account ending XXXX DOB XXXX
My monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. 

I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). 
However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. 
Questions : Why was my payment not applied based off my statement? 
Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance?
My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.
We were notified by XXXX XXXX of the problem. We have no knowledge of the debt who the company was or the amount. We contacted XXXX and they were unable to help. The company XXXX XXXX XXXX is under investigation in Texas for trying to make people pay debts they never incurred. We have filed with the XXXX XXXX XXXX in Texas and lodged a complaint. We have never had an unpaid debt .others need to take up the fight against this unscrupulous company XXXX XXXX in XXXX texas . There are no supporting documents because the loan never existed
SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.
On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX   and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX  or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the call.
I want to make a complaint about Santander Bank they repo my car I couldnt afford it anymore due to the high interest the bank had every payment I made was not even touching the capital only interest rate. I found out people are suing this bank and I would like for the repossession to get off my credit because this is nothing but a corrupted bank
I 'm need help I 'm confused about everything. I 've been paying for 5 years and the principal never goes down. they even went into my jobs payroll
XX/XX/2018 sent an itemized bill with services listed as proof of debt owed, violated HIPAA laws Debt amount {$130.00}
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX  who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.
bank of America is still reporting a charge off credit card on my credit report even after they issued a XXXX in XX/XX/2018. I have paid taxes on it but its still showing up on my report.
American Express XXXX The basis for my dispute is American Express was required to notify me prior to XX/XX/XXXX, or no later than 30 days after American Express failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall  be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, American Express " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Express failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve American Express is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX-XXXX XXXX XXXX XXXX XXXX XXXX )
A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.
I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.
XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account.
The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.
I was contacted by a repair company that did some work on my computer. they sad theywere going out of business in the US and they wanted to refund the money that I paidto them. If that was alright, All they needed me to do was to do was send a moneytransfer to XXXX with money they were going to deposit in my account. they deposited {$1300.00} in my savings account, I was to make a transfer funds to XXXX. for $ XXXXXXXXand keep the balance to pay for any fee 's. I checked with my bank to see how muchmoney was in the above accounts, I had not what I should have had. I tried to contactthem and got no response.
Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX  to discontinue services. My balance was at {$0.00}
On XX/XX/XXXX, I applied for BBVA Compass XXXX XXXX XXXX ( XXXX ) Card and to my dismay received a message that said " Your application for a BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card has been received and is currently under review. A BBVA Compass Customer Service representative will contact you soon to complete your application. If you have any questions, please call our Customer Service team at XXXX ( XXXX ). Please reference Application ID XXXX. '' I promptly contacted BBVA Compass by phone on XX/XX/XXXX and XX/XX/XXXX about my request for a new credit card product from the bank and was told it is pending review. I have been a banking customer with BBVA Compass since XX/XX/XXXX, I have a checking, savings, line of credit and an existing credit card account still active with the bank. The reason for this complaint is that, I have been lied to by BBVA Compass on my recent request, they are participating in a deceptive practice with their banking products. They have provided me an erroneous excuse as to why I could not be approved for the XXXX XXXX XXXX ( XXXX ) Card. They indicate on the denial letter that they were unable to verify my identity, however they have not done their due diligence to verify it was I that was making this request rather I have been proactive in contacting them and proving to them my identity. I have recently reviewed my credit file and found that BBVA Compass requested my credit report from XXXX on XX/XX/XXXX and has placed a hard inquiry. Since BBVA Compass is claiming the reason they could not approve my credit request is because of their incompetence in verifying my identity, I would need this erroneous hard inquiry on my XXXX Credit Report removed within 30 calendar days.
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were initiated on XX/XX/2017 and the investigation completed on XX/XX/2017. 
us dept of education XXXX investigation was begun on XX/XX/2017 and completed on XX/XX/2017. PROOF IS ATTACHED ... .according to FCRA all XXXX accounts should have been deleted from my report yet only XXXX of them was.