WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2017 I owe Navient over {$12000.00} and counting. Over the years I have had more than my fair share of bad luck. I suffer from XXXX XXXX, XXXX, and XXXX. I was never able to stay on jobs for long because of my condition. I have tried other ways to become financially independent by enrolling in XXXX XXXX last year. The program was free since I am a ACCESS recipient. I completed my course requirements this year and I 'm hoping to take my passion for XXXX far. I am on public assistance and I do n't get that much, and I have XXXX XXXX to care for as well. Every time I have been put on Forbearance, I was told that I would n't have to pay, yet I was n't informed that I would continue to accrue interest on my loan. Now I 'm worried that I 'll never get out of this hole that I 'm in. I did n't even have a chance to finish what I started because money ran out and I was told that I needed to take out another loan. Which my parents refused to cosign on.
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the TXXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.
When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.
I contacted the collection agency regarding my XXXX negative items on Equifax credit report. When I contacted the collection agency XXXX XXXX XXXX and talked to XXXX desk id # XXXX informed me that the items where send to Equifax to be removed. I contacted on Equifax on XXXX XXXX, 2016 at XXXX. The Representative said I ca n't help you and hung up on me. I was instructed from the collection to have Equifax call on a XXXX way call that XXXX XXXX XXXX Equfiax XXXX XXXX supervisor refuses to help. I 'm paying a monthly fee and refuses get the service I am paying.
On, or about XXXX/XXXX/XXXX Franklin Collection Services began reporting a collection account to the credit bureaus. The company failed to notify me of my rights via written notice within a 5 five day period. As such, this agency is in violation FDCPA 1692g ( a ), which states " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''
I am facing medical problems that have made it necessary for me to relocate. I am in the process of trying to sell my home, as I am no longer able to remain in it and am having difficulties making payments. I have previously attempted to explain the situation to my lender, Bank of America, and ask for a forbearance, but that attempt went so poorly that I filed a previous complaint with the CFPB. In my complaint, I indicated that I wished for the response to be in writing, preferably by mail. I am hearing impaired and am requesting this reasonable accommodation under the Americans with XXXX Act. Bank of America chose to disregard this request, and I also did send a letter to Bank of America requesting that all communications regarding this issue be in writing via mail, but I am continuing to receive calls from Bank of America. 
Oddly, I am receiving letters from Bank of America, but they are all demands to call them regarding my issue. I ask if Bank of America is willing to send me letters telling me to call them, why are they so averse to simply addressing the issue in writing? I would like to work with Bank of America to avoid foreclosure, but their methods of addressing this issue and customer service leave much to be desired, and I believe may be a violation of Federal law.
I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.
I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!
Company disapproved the loan application by stating that a ). After careful review of application, they are unable to approve the request for credit and b ). Unable to verify ownership or occupancy of property.
I have two loans that were serviced by XXXX/XXXX  XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2018 Dear Sir or Madam : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with LOBEL FINANCIAL CORP. I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. Thank you for your assistance Please investigate this matter and correct the fraudulent debit of {$8000.00} as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. 


Sincerely, XXXX XXXX
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). O ver 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balanc e (  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.   The  Creditor Ag encies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.
On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.
Regarding Case # XXXX of XXXX US BANK has filed a NOTICE OF ENTRY OF DEFAULT AND JUDGEMENT OF FORECLOSURE against me even though I have given them all of the information needed, over and over again.The bank continually drags out the process so more information is needed after XXXX days.I would like to have it resolved in a timely manner.I am always assured that " this should move quickly '' and get a decision, but after XXXX years, that is not the case.In XXXX 2015, XXXX XXXX was relaced by XXXX XXXX as my Relationship Manager even though later bank paperwork continued to show him.I sent all needed paperwork for the loan modification on XXXX and was told by XXXX XXXX that everything had been recieved by e-mail and we were good to move forward on a decision.Imagine my suprise to be served with a foreclosure summons on XXXX XXXX! After contacting the bank on XXXX XXXX, I believe that date is correct.I was told that said documents were not in the US Bank computer! I promptly re-sent them to another US Bank e-mail address and also to XXXX XXXX 's e-mail again.the current dispute is over monthly income from XXXX XXXX payments and XXXX per month of XXXX benifits.The bank had current and timely documents of said proof of this.Thank You
On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX
XX/XX/XXXX MOney Mart, XXXX, AZ. This is a payday loan they call XXXX XXXX. Payday loans are illegal in the State of Arizona. I've filed a complaint with the Attorney General 's office pertaining to the same. They harass me by calling 10 times per day even though I told them I've lost my job and their lending is illegal in this state.
on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX
With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks
on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. 

On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. 

Thank you XXXX XXXX
The collections account was opened XX/XX/XXXX and. Did not receive any contact from this company until I contacted them on XX/XX/XXXX. Upon my request for them to provide me with documentation proving this debt was valid, I received documents that lacked the specific documents as required under XXXX XXXX XXXX which hold that when the company collected a security deposit from me it was required to conduct an inspection and create a move in checklist to be signed by all parties and furnished to all tenants which they failed to do. Also the rental agreement is not valid under Washington state law being that the agreement has clearly been altered without the consent of all parties which was required to reflected by all parties adding their initials to show we acknowledged the information being added and agreed to it as part of the rental agreement. Genesis credit management did not properly investigate the validity of this debt. This account has already been investigated and removed my Transunion report as of XX/XX/XXXX but Genesis credit management has not reported this information as required to all CRA they reported they have reported to.
My wife was trying to access her account on line via linking a service to the checking account. It was noted that TD Bank was blocking her from enabling applications via internet and it gave us a direct # to speak with a td Bank representative to fix the issue. We called the XXXX XXXX XXXX # and was told that it would be 20 minutes of waiting to speak to a representative, After being on hold for 56 minutes a man came on the phone and said he was unable to help unless we went to a TD location. This is unacceptable we lost the deal, and will be closing td account.
To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income in XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and Experian has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.
I OBTAINED A LOAN IN XX/XX/XXXX FOR MY DAUGHTER AT XXXX, THE STUDENT LOAN HAS BEEN ON DEFERRED STATUS SINCE THAT TIME AND WAS THROUGH XXXX. REPAYMENT IS NOW START TO BEGIN ON XX/XX/XXXX. THE LOAN HAS BEEN SOLD TO NAVIENT. NAVIENT IS TRYING TO COLLECT A LATE FEE THAT THEY SAY WAS CHARGED BY XXXX. THERE IS LEGALLY NO LATE FEE DUE AS THIS LOAN HAS BEEN ON A CONSTANT DEFERRED STATUS UNTIL NEXT YEAR. NAVIENT IS TRYING TO COLLECT A FEE THAT THEY SAY XXXX ASSESSED AND NAVIENT WILL NOT REVERSE THE {$12.00} AND WANTS ME TO PAY IT. I AM NOT LEGALLY RESPONSIBLE FOR THIS FEE AND NAVIENT IS ILLEGALLY TRYING TO COLLECT A FEE I AM NOT LEGALLY RESPONSBILE FOR. THEY HANG UP ON ME ( SUPERVISOR XXXX HAS ) AND WILL NOT ISSUE A CREDIT ON THE ACCOUNT FOR THE {$12.00} FEE.