WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NE XXXX have a private student loan ( through XXXX XXXX, now Navient ) that went into default and cosigned on a private loan that also went default. XX/XX/XXXX, I set up terms with XXXX XXXX XXXX ( XXXX ) to get off the co signed loan and make payments to mine. The agreement was to pay $ XXXX/mo for 3 years without missing a payment. I then would be taken off as a co-signer to that loan, and to discuss a buy out option on mine at the end of the term. I agreed. It was a verbal agreement via phone. Nothing was signed. I payed them {$500.00} at the time of the agreement XX/XX/XXXX, and the 1st automatic payment was at the end of that month. Then they automatically withdrew payments of {$150.00} ( from XX/XX/XXXX ) on, or around the last day of the month for the next 3 years. 
I called them XX/XX/XXXX to verify how much longer I needed to pay. They had no record of the agreement that was made. They told me I still had to keep paying, do a buy out option, or make payments upwards of $ 300/mo. But they did not say for how many years. They said only a small percentage was actually going to the loan itself, and since the payment was going towards XXXX defaulted loans ( mine and the co-signed XXXX ), only about {$4.00} of the {$150.00} was being applied to each outstanding loan balance. 
The director of finance at my job told me to ask for an amortization because they are required to give that. I asked XXXX for an amortization of the payments to see where the money was being applied but they said they could not provide me with one. I talked to XXXX XXXX ( works for XXXX ) about trying a buy out for {$2500.00}. I had {$2100.00} in savings and checking combined. I offered him that, but he refused. And he had to have all the money today or the offer was no good. 
I contacted Navient, who transferred me to their " account portfolio manager '' and I told her the situation. I told her I believed the collection agency Navient sent me over to was fraudulent. But the lady said there was nothing she could do. Of course I could hardly understand her because she was from XXXX. I asked her if I could go back to paying Navient directly. She said no. She could only tell me she was affiliated with Navient, but I was talking to a separate company. And that she was going to be assigning a different collection agency ( XXXX XXXX ). I did not agree to that but she did not change her mind. I have received XXXX letters, XXXX from XXXX XXXX and the other from XXXX XXXX offering a buy out option on the co-signed loan. 
I do not know which companies to trust. I do n't think Navient is very trustworthy either. I believe the private loan side is in cahoots with the collection agencies they 're assigning. I can not find an unbiased source to talk to for help, other than the CFPB.
I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.
This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.
Resurgent capital service sent me a letter for purpose of collectibg debts with wrong fraud information of someone else, whose name is similar with my full name. I did not borrow any money from the company they said, and I found this in my credit report today. I have to fix this.
i applied for an auto loan and i received the attached letter of denial. they listed a number of places where they got " my scores '' ..Clarity is one of them. They information they say are the reasons why I " might have been denied '' by the lender. Ive uploaded the document for you to see. The main reason they have the wrong information is because each credit agency is different ie XXXX, XXXX and XXXX. I also uploaded a document from XXXX with " final results '' of an investigation on an account that was made by someone else. I included the original document from XXXX/XXXX that clearly states that my information was hacked and used. After 45 days of investigating XXXX sent me my results ( uploaded ) and stated the they will contact XXXX and XXXX ... They didnt. Those XXXX accounts are still on those later credit reports along with old address information that has clearly affected my approval for a loan. Listed on Claritys letter they state that they couldnt verify my identity and that my address couldnt be verified and that its not my primary address!! How is that so when i 've lived there for almost 3 years. The DMV, CA State Registry of Voters, Social Security and my XXXX bank account at different banks all have my correct address. But the XXXX Credit Reporting agencies do not. Please fix this problem. It has negatively impacted my ability to get an auto loan so i can get work so I can get off of govt benefits!
Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise
the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.
continues to contact my employer after i have requested they not call me at work. 

I have requested this both verbally and in writing.
A debt collector, Transworld Systems sent me 6 letters in one day stating my wages would be garnished for my student loans and they had contacted my employer for information. The creditor listed on the debt collection noticed does not own my loans. All of My loans were consolidated in 2014 and are not in default. I confirmed this fact via XXXX and the Department of education. My loans are not in default and the creditor they claim to be collecting from, XXXX, has n't owned my loans in 2 years. They were paid in full by the consolidation. In addition to the 6 letters, they have called my home phone at all hours of the day. I also received a call on my private cell phone.
I am having an issue with Citibank checking. A company by mistake ran an automatic debit through this account 3 times in error. I had changed banks. This caused overdraft fees on an account I was closing anyway due to so many issues with Citibank. I explained what happened and requested them to close the account. They refused. They stated I needed to pay the outstanding {$100.00} to close the account. I told them I do not have it as I am filing Chapter XXXXThey refused to close the account and now they are calling at least 40 to 50 times a day from different numbers. I have a block list in my phone a mile long. I have given them my attorney 's name and information 4 times now. They still refuse to stop calling. This is the conversation I just had with them. 
Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 0 minutes 22 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information. 
This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
XXXX at XXXX, XX/XX/XXXX : Are we still connected? 
You at XXXX, XX/XX/XXXX : yes You at XXXX, XX/XX/XXXX : I want a copy of this conversation for my attorney XXXX at XXXX, XX/XX/XXXX : I will totally leave notes on the account regarding your request. I can not guarantee you the calls will stop, I apologize, but the notes will be left on the account. 
You at XXXX, XX/XX/XXXX : You do realize now that I have gave you my attorney information if the calls continue you are in violation of the law You at XXXX, XX/XX/XXXX : Again this is my 4th request You at XXXX, XX/XX/XXXX : I have copied this conversation and forwarding to the FCC and attorney general You at XXXX, XX/XX/XXXX : XXXX calls in one day and is out of control I am at my wits end. All day long at work my cell phone rings. Below you will find a screen shot of the blocked calls for 2 days. This has been going on for weeks.
Hi, I relocated to XXXX from XXXX in XXXX 2015. Shortly after moving I transferred my insurance and registration to the state XXXX as required however I was not instructed to return my old tags to the State XXXX and they continued to send letters of insurance cancellation to me however I sent the documents there was never a lapse in coverage but come to find out it was because of transferred my registration XXXX and did n't return my tags to the state XXXX. Now they are requesting {$650.00} for the tags that were never returned and now they are threating suit / garnishments / etc for the unpaid balance however I feel that this is predatory in more than XXXX way. Can you please research this issue and see if there is anything that can be done.
in XX/XX/XXXX my wife and I used PayPal to pay for a income tax filing extension as the site would not accept our debit card the cost was {$19.00}. today I received a call from their collection department requesting I pay {$100.00} in late fees I was shocked at such a sizeable late fees on {$20.00} dollars. I think this would qualify as loan sharking. of course I must say shame on us for not reading the fine print.
I contacted the  XXXX  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX Texas, they are are reporting a late payment for me inXX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX
On XX/XX/XXXX of 2017, I contact the collection company to get the information regarding this debt and address to send in a validation letter. They stated that I can fax it in and they provided me a fax number of XXXX. I faxed in a validation letter and a cease and desist letter. They contiuned to contact me and leave messages 2 to 3 times a day. I contact back in on XX/XX/XXXX, asked the collection if she sees any notes regarding the cease and desist and the validation letter. She stated no and that we need to just take care of this debt. She proceed to tell me about the debt and I tried to tell her that I belive the debt is not mine. She stated that was interesting because it went through my insurance and that I had made payments before to the original company-My response was, I have lived in Oklahoma during the time of when the debt occurred and the hospital that is billing me is in XXXX  XXXX. And if she would like-I can send her my mortgage of the home I purchased in Oklahoma.!!! She didn't say anything after that and proceed to tell me to send in the validation letter again. I did, with the cease and desist paperwork. I have the fax confirmation letters for both times and they still keep calling me!!
When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.
" This complaint and been filed with the OCC as well ''. 
I have issues raised in my previous complaints that have not been appropriately addressed. Please consider this XXXX complaint as a detailed enumeration of my loan file serviced at Select Portfoliio Servicing, ( SPS ) Loan # XXXX. 
My mortgage loan was referred into the foreclosure process in XXXX and remains seriously delinquent to date. XXXX foreclosure action of my property, is not consistent with the lending statues, regulations and other policies that should 've been applied. Furthermore, XXXX XXXX did not conduct an Independent Foreclosure Review ( IFR ) on my loan file, which I should have been part of. Neither did XXXX supervise nor oversee the loan servicing companies e.g. XXXX XXXX XXXX, who also serviced my loan between XXXX to XXXX unknowingly to me, according to my title records, XXXX XXXX has been the trustee and beneficiary of my mortgage loan. 
Around XXXX XXXX XXXX, I received a XXXX check of {$300.00} on behalf of my servicer at that time XXXX XXXX XXXX. XXXX XXXX XXXX had a settlement in XXXX, so they informed me that the IFR was never conducted even though I had brought my loan file defects to their attention. Shortly thereafter, in XXXX XXXX, I received a phone call from Select Portfolio Servicing Inc. ( SPS ) I discussed my concerns with the rep and I was told someone will follow up with me, which never happened. XXXX XXXX has failed to provide ownership of signed endorsements, recorded assignments and other obligatory documents. The negligence of my loan file has gone on for so long. XXXX goal is to foreclose on my primary residence, while their harmful errors and malpractices get swept under the rugs. A foreclosure sale date has been scheduled for XXXX/XXXX/XXXX ( XXXX XXXX XXXX TS # XXXX ) I'am currently in a stable financial position and can afford to make mortgage payments on time if enabled an opportunity for a loan modification, deferment, or any other affordable home retention option. ( see application and my review results ) My financial package was recently reviewed by SPS for home retention options, shortly thereafter it was denied with no recourse as reflected in the denial letter attached. When I reached out to the ombudsman team, they just parrot back to their loss mitigation 's response, which was so obvious that they do not have access to my loan file fo them to conduct an independent investigation. One SPS rep also verbally informed me that XXXX just denied it and they do n't have to give any explanations. SPS is also illegally servicing my distressed loan file under the present situation with XXXX XXXX. SPS 's incompetencies is causing me farther more financial harm. 
Most troubling, neither the servicer ( SPS ) nor the investor ( XXXX XXXX ) is following the legal guidelines in their loss mitigation /foreclosure review processes. I 'm seeking a resolution to the malfeasance actions of XXXX XXXX and its third party contractor companies. I intend to keep My home for my family, even though its 100 % underwater as SPS appraisal and tax assessor records may reflect.
Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.
I noticed that Chase will charge an NSF fee to make it seem as if it is an opportunity to charge a fee, but I also noticed that upon making a purchase with lots of funds yet it stays in the pending status for a day or two. Also, I notice when my deposit check and purchase at the same time, within a few hours or same day, the bank will charge a fee, making it seem as though due to less funds they have to charge a fee which is a not so good advantage as they can see the funds in their systems, and take it immediately out of the pending status and the merchant did not even request it that fast. I feel this help keep the bank funded at the consumers ' expense, as this economy is very stressful. 

My deposit was made before the cut off time but yet I was charged a XXXX dollar fee in my account. This also happened before. I was charged another XXXX dollar fee. I work hard to keep my account in correct form because I have been a Chase customer for 45 years.
Received written correspondence from Resurgent Capital Services dated XX/XX/XXXX, regarding collection of a non-specified debt. Responded by USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX challenging validity of collection attempt, requested under FDCPA no further communication with me or 3rd party, etc. ( documentation is provided within this complaint ). Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation being provided within complaint ) In violation of FDCPA, I received correspondence dated XX/XX/XXXX, from Resurgent alleging I had " requested '' a response. Impossible due to the statement contained in paragraph above. 

Responded to this XX/XX/XXXX communication again restating request to not further contact me or any 3rd party, etc. etc. Sent USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX. Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation is being provided with this complaint ) On XX/XX/XXXX, I accessed my deceased husband 's post office box in another city. I was shocked to discovery correspondence dated addressed to him from Resurgent regarding this attempt at collection. Not only is he deceased and was an attorney I gave no information to this company about him nor any indication that he represented me in this matter. This is a clear violation of my written requests under the FDCPA. 

Therefore I am filing this complaint.
So far, they keep calling me without any answer, when you call back it goes to XXXX XXXX saying i owe them money **secure** ( i have 2 credit cards and neither are in financial trouble and are well maintained and as far as im aware my idenity is still secure. ) **secure** The person on the phone then says they need my address, im not giving my address to them i respond, they say ok, place of employment, again not giving that out, ok then you NEED to give us your social security number or were going to call the police and bring you to court on counts of fraud. I took their bluff and said your violation a government agreement, he simply started yelling that with your outstanding debts your rights are going to be revoked if i do not get this information. I promptly hung up after the conversation and im still not arrested, so far they called me twice.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CBCINNOVIS credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CBCINNOVIS XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
On XX/XX/XXXX, I purchased hair products at XXXX XXXX store in XXXX XXXX with the amount of {$29.00}. ( please see receipt attached ). 
On XX/XX/XXXX, I returned the hair products because it dried and damage my hair and my scalp. I asked for store credit as it states in the receipt that : '' If your purchased does n't give you the beautiful results you 'd hoped for, we will happy refund your money ... .If your receipt is older than 60 days, you 'll receive in-store-credit for the lowest selling price within 60 days before return ''. ( please see receipt attached ) The XXXX XXXX store 's manager refused to return my money. 
On XX/XX/XXXX, I contact Capital One credit card for dispute the charge. The Capital One credit card staff told me that they will credit back to my account soon. 
Until now, I have not receive credit back from credit card company. On XX/XX/XXXX, I contact the Capital One credit card company again, they told me that they do n't allow me to dispute the charge.