WillisBack/dataset-financial-user-claim huggingface dataset:
I Sent a letter and legal documents to Navient regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.
I have been a Bank of America credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you.
Dear Consumer Financial Protection Bureau, Thank you for responding. 
I am attaching the XXXX XXXX XXXX suit that XXXX XXXX group prepared for us in their findings on our loan history. 
They had proved mortgage fraud, but it seems like no one can get anything done in XXXX in behalf of the consumer. Our loan was illegally pushed by XXXX XXXX XXXX. The property appraiser that worked with XXXX XXXX was arrested for over appraising homes, to push and get loans approved for XXXX XXXX. XXXX bought the loan and would never really work with us for a loan remodification they just went through the motions. They had XXXX different offices in XXXX states within XXXX that sent us XXXX sets of fees and tacked them on to our loan creating a bigger mess. When we first applied for a loan remodification the representatives at XXXX financial had said they would work with us. We kept getting request for the same paperwork package three times not realizing that they had XXXX different offices within the same corporation in XXXX different states working on the same loan remodification. After they told us we did not qualify they tacked on all the back fees to our loan from XXXX different applications so it was times XXXX because no one from their company was communicating with anyone else. When I started to complain they sold us to XXXX. We found it so frustrating and wondered how they could get away with this. My wife XXXX and I then tried through the XXXX XXXX XXXX to get help out of XXXX, to see if through them, we could get results. In the beginning they put us through the process of applying for the loan remodification. When the XXXX XXXX group pressed they sold us again to SPS who decided to tenaciously hold ground and not help us. We found out later that XXXX owns both XXXX and SPS, How convenient. After XXXX XXXX XXXX proved Mortgage fraud committed by the banks which I have sent the prepared custom Lawsuit in an attachment to you XXXX XXXX XXXX gave up and said that because the Banks were not cooperating the only alternative was to sue. Since all this we had to pay back all fees and try to catch up the loan so as to avoid foreclosure. 
The banks are playing games with the consumer and the Federal Government and we are desperate to get help. If we had not been granted the refinance on our home loan that XXXX XXXX wined and dined us to process and get us to sign for, we would be only a year and a half from our loan being paid off. We felt stupid that we let the mortgage loan officers from XXXX talk us into thinking this was the right decision for us. 

Again thank you so much for even just a response. 

Please help us, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.
I consolidated my federal student loans with XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and later inquired about income based repayments and public service forgiveness programs. I was told my FFEL loans would qualify and all on time payments would count toward the PSLF. They indicated the payments and loans would be forgiven after 120 on time payments. XX/XX/XXXX I submitted my certification paperwork to begin the PSLF process. I was notified on XX/XX/XXXX my current loans were not in an eligible loan program. I would not have consolidated my loans with Great Lakes had I been told it was not an eligible loan for PSLF as my loan balance has remained as I made lower payments with the anticipation of forgiveness after 10 years. I am now being told I must consolidate my loans again with another agency and none of my past payments are qualifying. Many financial and career choices were made with the consulting I did with Great Lakes. Now my family and I are told we must start over if we wish for pay off our loans.
My father XXXX XXXX had an account with Sun Trust Bank. He passed away on XX/XX/XXXX. I was listed as POD on his account. On XX/XX/XXXX I tried to see how much was in his account online to see if he had money to pay for cremation. Somehow, Suntrust banks ' online system allowed to create a second account in his name with all the money moved to it. I reached out to Ms. XXXX XXXX at the XXXX XXXX XXXX to enquire how to solve this problem. She instructed me to send a certified copy of death certificate and notarized letter to Sun Trust in XXXX XXXX VA. The bank received it on the XXXX of XXXX. I was assigned a client advocate, Mr XXXX XXXX, number XXXX, who is tasked with resolving this. He stated that because it's fraud, I have to come to Maryland ( which is the closet branch of bank ) and deal with it in person. I told him, I live in XXXX, do not own a car and do not have the money or resources to get there. All I am asking for is for someone to help me close my father 's account so I can pay for cremation. It's now XX/XX/XXXX and Sun Trust Bank is still holding my dead father 's money. I need help to get this resolved. PLEASE
During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.
In a nut shell, Ocwen has failed to apply payments and maintain accurate account balances ( which is what the Feds sued them for ... .its still continues to happen ). They charged an exorbitant amount of unauthorized fees for appraisals. They also refuse to give us a copy of our appraisal. Per ECOA by Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 the lender is REQUIRED to send us a copy of our full appraisal. After more than a half dozen requests and having our attorney write a letter they still refuse to send us a copy of our appraisal. They also applied our first XXXX mortgage payments to our account and then reversed one of them out thus NOT GIVING US CREDIT. Our mortgage payment has gone up {$700.00} a month over the last XXXX years. They claim due to escrow impounds, although we were assured that all of our past taxes would be incorporated into our loan. We were very cleat why we needed the modification and now we find our monthly payment is {$1000.00} more a month than when we needed the modification to begin with. We are n't sure how much longer we can hold on. I 'm sure that was XXXX plan all along. I asked that my attorney be added as Power of Attorney and it took XXXX year for them to add him yet they still will not speak with him. How is any of this legal? Esp. after they were sued by the Feds and lost for these same business practices? We were absorbed from Litton loan when Ocwen took over their loans. We also had no idea that they were being sued as we made our first loan payment to them. Upon the research I 've done recently it appears that XXXX years after they lost they still continue to conduct business in a way that landed them in court to begin with. Now we risk losing our home again since the payment is nearly {$4500.00} a month. We need help from someone that will read this and see that they are still breaking the law and do something about it.
Chase Credit Card Services is charging me interesting on a charge which is in dispute and being investigated by their disputes department. 

Last month I was charged {$25.00} of interest and this is impacting my FICO score.
Ally Bank had an account for my XX/XX/XXXX XXXX XXXX. The lease was paid off in late XX/XX/XXXX but the dealership never sent Ally Auto Financing a check due to a termination of an employee or something like that. I was on the phone with an executive account manager from Ally from Florida for a week. Finally the dealership sent her the check and the account was alleged to be paid in full. When I log on to my old Ally account in fact there is nothing there -- -. But. A recent check with XXXX XXXX shows that I still have an account with Ally for $ XXXX. XXXX?
Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Victim of fraud. The person committing the fraud was charged, and found guilty. Even with nearly 200 documents of police reports, and evidence showing I was the victim of fraud, the creditor is still unable to relieve of the responsibility of the debt.
XXXX Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.
I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.
On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. Experian failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX   XXXX placed on XX/XX/XXXX XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -IXXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
On XXXX XXXX, XXXX charges appeared on my synchrony bank banana republic card in the amounts of {$190.00} and {$200.00} from PayPalXXXX. I filed a dispute w/cc company, they dismissed XXXX charge but not the other. I have never heard of raise.com, you will not find any other charges on my cc card from this place, during my cardholdership!!! Why dismiss XXXX and not the other, makes no sense!!! This cc company has terrible customer service! Do not get a GAP brand card!!!
I purchased a living room set ( XXXX ) approximately mid XX/XX/XXXX. I made a down payment of {$460.00} on XX/XX/XXXX. Financing the remaining {$1500.00} with " XXXX XXXX XXXX '' ( XXXX XXXX XX/XX/XXXX ). The furniture was delivered on XX/XX/XXXX.The agreement was {$180.00} per month for 3 months only to pay a {$40.00} fee if loan ( {$1500.00} ) is paid off in it 's entirety. I made 2 payments ( {$180.00} each ) XX/XX/XXXX & XX/XX/XXXX. I realized I was unable to pay the remaining balance of {$1100.00} in it 's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I 'm going to Incur an exuberant interest rate of 130 % on the remaining balance. I did contact the lending company to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. XXXX XXXX XXXX where I purchased the set from actually filled out information online ( sight unseen ) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130 % interest agreement. This was never brought to my attention quite naturally because they would n't have gotten the sale. I communicated with the owner of XXXX XXXX and he completely denied any responsibility for the situation. Thank you in advance for your considerate attention in this matter.
I tried to dispute it with DIVERSIFIED CONSULTNTS they said I need account number from XXXX. I called XXXX to get account number. They do not have XXXX because I have never been a XXXX XXXX customer. Called back Diversified told them no account number was available they said they could not help me and hung up. I have never been XXXX customer and I do not owe them any money.
EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.
XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed.
I sent XXXX a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.
I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.
I 'm a Dodd-Frank Wall Street Reform Act participant. I watched the Federal Bill since XX/XX/XXXX as signed by President Obama. My EHLP # XXXX. I 've requested a number of updates to XXXX County Judicial Court from the Federal government including my last request for legal assistance to remove a Judicial Court Judgement. I submitted under the following CFPB complaint # XXXX from the VA location at XXXX XXXX XXXX, XXXX, MN XXXX. However, after further review, allegedly CFPB assigned a file # of XXXX. I know my XXXX. Please check both CFPB files. 

I was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX address of my Federal/District Court Briefcase dated XX/XX/XXXX which included my CFPB user ID & password. Can you contact my email on file or telephone XXXX with password? CFPB staff wo n't allow me to access a critical Judicial Court file without an accurate User ID & & & password. Please email reply with a password change " authorization code ''??? 

These District Court Judgements which amounted to $ 20,000+ which prevented my ability to sell my home at XXXX XXXX XXXX XXXX, XXXX , MN XXXX for a reasonable equity profit. I must ask CFPB legal to intervene, & contact XXXX County District Court Administration to remove XXXX and XXXX from my credit bureau record and XXXX County District Court records. I WILL PROSECUTE entities who obstructed Federal Court decisions against XXXX credit card abuses as adjudicated by CFPB Court decisions. Please reply with my assigned password assigned to either XXXX or XXXX? 
Email XXXXXXXXXXXX & XXXXXXXXXXXX - I will seek Federal Court remedy!
On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue.
they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts
I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX
To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner
I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX  Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX   Telephone : ( XXXX XXXX ) XXXX  Email : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX   ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX