WillisBack/dataset-financial-user-claim huggingface dataset:
When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.
Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.
I applied for a loan to consolidate my bills related to medical and legal expenses using the equity in my property. I was denied. Chase stated that my credit score was below there 675 requirement. I was told that I could reapply once score had reached 675 or better. I confirmed that my score was lowered because of the debt I had incurred. I have a current mortgage related to this request and have been in good standing. I asked for detailed information as to why I was rejected. I was only referred to submit concern with your agency.
I'm reporting people 's home equity as I've worked there and I'm formally reporting that they're altering customer documents, along having a felon working on the loans. They also have several people working under one loan officer 's license number.
XXXX received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is XXXX refusing to update my account with a XXXX   balance to the reporting credit bureaus.
On XX/XX/XXXX I received a call from Citibank N.A.  asking if I had received my check from the settlement between them and the CFPB. I said I had no idea what they were talking about, they explained it and said they would send another check. I should have my refund before XXXX. 

So I waited until XX/XX/XXXX or very close to that date, and I was online with chat and then made a call and talked with a person about it. She had a very disrespectful attitude and told me that the check was in the mail. I called again XX/XX/XXXX and they told me I had to talk to their 3rd party company, they told me it was mailed XX/XX/XXXX and I should wait for it. I told them that I work for the Postal Service and I know how long mail takes and this sounds like a stall tactic. So today XX/XX/XXXX I am talking to a person who told me that they would cancel the check and it would take 40 days or more to get a new check to me. I have used the same address since XX/XX/XXXX.  So if it was sent I should have had it. 
My problem is this : If I was one day late past the deadline they would charge me a late fee, and put a hit on my credit. For 7 years? or something like that. But they get to use this money and are still using it as for as I can tell, to get interest or be invested however they wish with no penalty or pressure on them at all. Any penalty that they paid to you did not benefit me it just went to you I am sure. 
I also feel that I am talking to people who have no power at all to make it happen. They just give excuses that were provided for them, and just keep delaying the payments.
I disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
I am getting calls from a collection agency. The calls are left on my answering machine and threaten legal action and prosecution if I do n't return their calls. I call and explain that they are trying to reach my ex-husband 's first wife. They were marries in the 1970 's. That I never met the woman. That I have been divorced from my ex-husband for more than 10 years and have no idea where he is or his former wife. 
She never lived in the home that they are calling, never lived in the city they are calling and never had the phone number they are calling. 
I ask them to take my name off the information that they are using to reach this woman. Sometimes the caller is friendly and apologizes and agrees to correct their records. Sometimes they curse at me and tell me that they know I am that woman and that they will have me thrown in jail. 
I received two calls this week from the same collection agency. I called them back and the man I spoke to was rude, loud, and used abusive language, threatened me and then hung up on me when I was trying to explain this situation. I immediately called back his extension and it went to voice mail. I left him a message and told him that I was not the person they were looking for and that I did not want to be called again. I was not rude or profane.
I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?
On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.
US Bank closed my account after one check bounced and sent me a notice saying they had frozen funds because of some claim I supposedly filed that was fraudulent. I never filed any claims with them they must've gotten that information from XXXX XXXX who had just closed my account with them over debit card claims they had already investigated and found in my favor but decided to reverse. I think this is ridiculous and on top of that they debited the amount of the bounced check twice and hit me with a bunch of fees after allowing scheduled payments to still go through.
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX and act # XXXX
My account was passed on to Encore Receiveable, once I was contacted by mail I replied with a letter stating this account is being disputed. I also asked for any further contact to take place by mail. They received this letter on XXXX XXXX, 2015. They continued to call me, to the point of 50 times by XXXX XXXX.
On or about the middle of  XXXX  I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for  XXXX  charge {$250.00} out of approximate  XXXX  disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the  XXXX  charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.
I don't believe I had a credit card that they are claiming I had, it was XXXX XXXX from XX/XX/XXXX so they say. They keep calling repeatly threatening me that they are coming to my home, using abusive language and swear words. They will not stop calling, they use different numbers, some with my area code which leads me to believe that someone local is calling me. I am on disabliltiy. A small check to barely get by on. I am a nervous wreck. The last lady show called from XXXX said I was a XXXX and some other very gross things I cant repeat. 
Below you will find they numbers they call from. 
XXXX unknown XXXX XXXX they call on both my home and cell phone they are very threatening. 

My phone numbers are XXXX XXXX XXXX XXXX
I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.
Last XXXX American Express came out with their new SPG Luxury credit card. They were offering XXXX bonus points if you spent a certain amount within the first 3 months. Since I already had a regular Amex SPG card I read everything I could about if that fact disqualified me from the bonus points. Based on everything that I read, I still qualified as long as the spending amounts were obtained. In fact, on XX/XX/XXXX I received an email from American Express stating that I would get XXXX points for upgrading. 
I had logged into my Amex account and upgraded the card. I spent the required {$5000.00} within the first 5-6 weeks of having the card. After not receiving the bonus points I contacted American Express in XX/XX/XXXX. They stated that I would not get the bonus points because I did not click on the link on the email to upgrade. There was nothing anywhere that stated that the only way that I would get those points is if I went through that email link. They are refusing to give me the points as originally promised.
My name is XXXX XXXX and my employer posted our direct deposit on Friday, in which with rushcard I usually get my deposit on Monday night 's at XXXX. My deposit has n't posted, ca n't get through by phone, website not working and no way of contacting anyone about my money. I 'm bout to lose my car. My employer ca n't cut no checks until deposit is returned, my car will be gone by then. The only information is on XXXX on rushcard page, there are so many XXXX angry customers posting about not receiving their direct deposit since last week.
After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.
I had a delinquent account with a credit score. I paid off the account in full in XXXX or so of this year. Filed a dispute they removed where it was delinquent but took my credit score to where it shows I have no score at all. How is it I had a form of credit but one bad mark against me. I pay it off. And it leaves me worse off then having a delinquent account. I thought it was to improve my score not take it completely away.
XX/XX/2017 To Whom It May Concern - I 'm writing to file a complaint regarding a recent ( beginning XX/XX/2017 ) experience with Bank of America regarding the processing and decisions made for a $ XXXX home equity loan on a property that had/has no mortgage or other liens against it. The end result is that after a fifty-five ( 55 ) day process of drip information requests by the second loan originator by phone ( the first loan originator was at a local BoA bank branch ( 1 hour of time collecting basic loan information ), my application was forwarded to underwriter loan processor, who informed me that she would n't approve my application. 
My complaint is based on the following : 1. The time taken just to ask questions and gather loan processor requested information - 55 days 2. The lack of clear and complete information requirements communicated in documentation provided to me via post mail, in multiple loan processor discussions during the loan origination process by the loan processor 3. The continued extension of time to gather a continued number of additional documents and requested information 4. The lack of clear communication along the process regarding my eligibility, or potential lack thereof 5. The communication received once the loan origination process was passed to loan underwriting 6. Updating my homeowner 's insurance policy was mandatory prior to underwriting review, which also added to the loan origination process time ; then, once underwriting declined, removal of this requirement from my homeowner 's policy 7. The first call from loan underwriter was to let me know that she had n't received my paperwork, and would I be willing to resubmit my paperwork ( after 55 days of submitting loan reference documentation to loan processing representative ) 8. After 55 days of loan processing requests and in my second conversation with mortgage loan underwriter, I was informed that the information I submitted along the process had n't been verified until the 55th day of the loan process. 
9. I had to set-up a checking account with BoA, which was completed prior to underwriter review in order to receive a loan rate discount. 

This loan process was a complete waste of my time and efforts in good faith to work with the BoA in information gathering and decision determination. The Bank should have known within 5 days of most of the information overall requested and provided whether I was qualified for this loan, and should have been able to verify any questions it had to determine my eligibility for the loan requested. 

I would like a complete review of this incident and process that was performed in order to show that the Bank was misleading in its communication and had no intention of offering me a loan at an earlier point in the loan process, but did not communicate it until nearly the end of the prolonged process and quoted time to process ( 60 days ). 

I can provide documentation as evidence that supports my complaint.
I have a mortgage loan with Bank of America and live in XXXX, KY. Since Bank of America does not have any branch, office or ATM locations in my city it is not practical for me to have my checking account with them. 
I recently attempted to make a principal only payment to Bank of America online. Their online service prohibits me from making this simple action. Instead, it requires that I may my normal monthly payment plus any additional principal payment. Since this is an extra payment, they put the loan in a " paid ahead '' status - meaning it was not fully applied to principal. If I had not been paying attention I would not have received any credit for paying the extra payment. When I called BofA, they did " move the payment '' to principal and explained that if I was their checking account customer I would be " allowed '' to make a principal only payment online but since I am not their checking account customer I am not permitted to do so. In essence, they are penalizing me for their failure to open locations in markets that they lend to. My loan was bought by BofA, I had not control over them becoming my lender. Why should I have to take time every month that I make a principal only payment to call them and tell them how to do their jobs? How many of their customers have not paid attention and ended up paying untold amounts of extra interest charges when they thought they were making a principal only payment? This seems both unfair and deceptive in my opinion and the fact that I have to take my time to straighten out is abusive on my time. If I could move my loan to XXXX I 'd do it in a heartbeat. I do not have any deposit banking relationship with XXXX but they still allow me to make principal only payments on a mortgage loan with them.
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.
in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.
After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are required to notify all other credit reporting agencies of their results.
I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale.
On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law
This XXXX XXXX XXXX 2nd mortgage account # XXXX has been paid. Experian CRA is still showing the account as " Open ''.
This is my third complaint about Stallings Financial. I am providing their first response they provided to CFPB where they said they acquired this account on XXXX and sent correspondence to XXXX XXXX XXXX, XXXX Ga etc. Now they responded saying they sent notices on XXXX. I am also providing a rental agreement showing that I live in XXXX XXXX and my current address as of XXXX/XXXX/XXXX. Prior to this address, I was living at another XXXX XXXX address. As I stated before, I did not get mail to dispute this account. Please investigate their false statements. This company is difficult to deal with and I have informed them of my move and not receiving any mail from them to dispute this account in the amount of {$220.00} from XXXX XXXX and XXXX XXXX.
I had outstanding state taxes due to the Georgia XXXX XXXX XXXX XXXX XXXX XXXX. I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The credit bureaus are telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Experian Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.