WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I co-signed XXXX loans through WF when our daughter started college in 2010. We were VERY hesitant about c0-signing, but since the financial aid she was receiving was not enough to cover the cost, we felt like our hands were tied. We were assured it was relatively easy for the student to remove us once she graduated and began repayment. Here we are 6 years later, she dropped out of university, went to a XXXX college, incurring more student loans and left that without a degree. She works for minimum wage, married to a guy who refuses to work, and she has decided that she does n't " ca n't '' pay the loans. Which means WE are now paying the WF student loans we co-signed and she has no intentions of repayment. Her husband has said " let your parents pay it. '' I am a XXXX and have my own student loans that I will be re-paying until AFTER I retire. AND now I 'm stuck with her loans. I am frustrated because I feel like this system is enabling my daughter to be financially irresponsible. If she does n't pay, we have to pay or our credit is affected. We pay her loan and her credit looks great. I am aware there are thousands of other parents who are stuck paying their adult children 's education loans, further enabling this generation to be drop-outs and irresponsible. Are there any solutions? Why wo n't WF go after HER for payment, instead of forcing us to pay? Are there any programs available for parents in our situation? We know that when we co-signed we were legally agreeing to pay in the event our daughter could not, however our hands were tied. Federal financial aid said we were responsible for paying part of our daughter 's college education ( which is ridiculous - I 'm a XXXX in AZ! ), and in an effort to be supportive of her furthering her education, we felt guilted into co-signing her loan. Afterall, did n't we want our child to be a part of the American dream and help her succeed as a responsible citizen? Now I see this whole situation as a means of entitlement for this XXXX generation, and the government and financial institutions are encouraging their lack of responsibility. Why ca n't Wells Fargo go after my daughter, garnish her wages, hold her accountable? Why does the government expect parents who are making ends meet expected to pay thousands of dollars per semester for their children to go to college - especially when they are trying to repay their own student loans? There has to be a solution for this. Is there a grass-roots movement out there working to change this? Parents should not be responsible for paying their ADULT children 's educational loans. Why ca n't WF force my child to pay her debts?
My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.
I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX  XXXX XXXX. When I contact XXXX  XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.
This is the 4th time this year Bank of America has returned payments to bank. I have now been banned by XXXX different Banks from using my Bank of America account for them constantly returning payments. Bank of America has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Bank of America refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Bank of America purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Bank of America did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Bank of America early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Bank of America returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Bank of America refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Bank of America is headquartered I could have easily made a deposit at the XXXX of Bank of America locations in the city. Bank of America Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not.
I receive 3-4 calls a day on my cell phone from an anonymous caller, only labeled as XXXX NE. 9 out of 10 times that I answer, I hear 10 seconds worth of clicking/beeps then the call hangs up. Several weeks ago an individual said hello, asked for XXXX XXXX and stated they were with Merchants Credit Adjusters and then demanded my social security number. I refused and asked what they were calling for and she again demanded my social security number. I informed her to not call me cell phone again and hung up. My phone rang within 2 minutes from the CID XXXX NE, I did not answer. They continued to call harassing me every day. Today, XX/XX/18, I answered and after 10 seconds of clicks/beeps a woman identified herself and asked to confirm my name and address. I answered, she stated she was calling from Merchant Credit Adjusters regarding {$21000.00} in medical bills. I have never had more then a typical doctors visit. She stated there were two debts, one to Nebraska for furniture stuff?? And one to XXXX for a car?? I asked her how furniture and a car are medical debts? She rudely asked how I was going to pay today! I asked her to send me something in writing because she was not clear on what she was collecting on. She again rudely and abruptly shouted we have, you need to pay your bill. I asked if she was calling my cell phone using an automated dialer as that is a violation of the TCPA. She states they were allowed to use an automated dialer and again to pay my bill. I again told her not to call my cell phone.
I filed a chapter XXXX amortization of debt in XX/XX/XXXX. I have been paying on this ever since and it is scheduled to be completed on XX/XX/XXXX. XXXX XXXX XXXX has been reporting this as a bad debt charged off in bankruptcy. This is inaccurate information. The original balance on this account was XXXX and we have it payed down to almost XXXX. This agency has multiple reports ( about 5 ) on my credit saying it was charged off in bankruptcy. I have tried to dispute it on my credit 3 times as well as called the company with no success. We have also been denied credit because of a " past bankruptcy '' due to this entry on our report. The last person who I spoke with ( XXXX XXXX ) stated that he could see where we are paying on this account. When I questioned why would it be reported as a bad debt written off in bankruptcy if it is clearly being paid. He quickly said he would have to talk to the attorney who did my amortization and he could no longer discuss this matter.
I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
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Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
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Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
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According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
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Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.
Dear Consumer Finance Protection Bureau : XXXX XXXX, in store credit card, has overbilled me on my credit card, and the balances are incorrect. For example, the first statement in XXXX XXXX, has purchases of XXXX, and the statement has an incorrect balance of XXXX. Also, please check the XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX statements for incorrect balances on purchases. Furthermore, XXXX XXXX needs to credit me a total of XXXX, to my credit card with XXXX XXXX.
I have sent CFPB a complain early this year, case number XXXX and XXXX, regarding my mortgage modification with XXXX XXXX XXXX and Seterus. XXXX gave me a modification on XXXX XXXX, but then the loan servicer transferred to Seterus after that. I have paid all the XXXX required payment to make the offer final. However. Seterus starting to return my payment from XXXX XXXX, I was not able to get a solution, which forced me to contact CFPB. Now, after a whole year of struggle, I have got a Seterus offer, however there are substantial difference which I want answer but not get yet. 
I have talked to XXXX XXXX ( loan owner ) and Setetus, but was told that I had better to sign the contract otherwise it will be void and I will have to go through the whole process again. 
The new offer did not even give me a full account of how the total amount of the loan is calculated, why there are substantial difference between the terms and conditions of the XX/XX/XXXX and XX/XX/XXXX one. This loan is going to be with me for 40 years. How can I be expected to sign something that is not clear to me? I have got a letter recently from Seterus, in the letter Seterus admitted that there are errors in calculate the loan amount. How can I be expected to sign it when the offerer already knew something is wrong in the offer, and not yet correct it? 
My concern is that the deadline of this offer is XXXX/XXXX/XXXX, which is 7 days later. Although I have a written question list sent to Seterus, I have not get any answer yet. Although Seterus admitted that its offer has errors, it has not corrected it. My XXXX payment to the offer is been returned by Seterus, just as my XXXX payments to Seterus. All these evidence signaled me that Seterus did not really want to give me an offer as the one XXXX gave me. Seterus just wanted to appear that they gave me an offer! All they want is to have me to start the whole process again and force me to pay a lot more than what I have been offered now!
On XXXX XXXX - XXXX XXXX, 2018 I purchased {$300.00} in Litecoin from Coinbase using my bank account. My transaction has been pending for the last 9 days. 

Details : {$300.00} to purchase Litecoin @ {$280.00} I have sent Coinbase an email directly and contacted them through XXXX. 
My case # is : XXXX
A security breach at Equifax on X/X/17 put my credit in jeopardy. I contacted the company was was informed I needed to place a 90 day fraud alert on my file. I feel that this should be the responsibility of Equifax! I protect my identity, my home ... I work hard for all that I have. I did n't do anything wrong and I do n't deserve to take care of this problem on my own. I went ahead and placed the fraud alert on my file and disputed incorrect information on my file like they told me too. Since this " resolution '', I have been informed by other sources of several other major problems. The only tool used to confirm whether one 's credit was jeopardized by this breach requires you to sign a waiver for joining any class-action lawsuit in the future. It is my right to know if my information is at risk by someone else 's hand and it 's my right to get justice for the wrongs done to me. Period. I did what I had to do to find out if my identity was at risk but I am furious that I wo n't be able to get my due justice. The other insane issue brought to my attention is this story that three executives from Equifax sold their stock the day after the breach. This data breach happened a month ago and was only brought to public light this week. Shameful! I demand my identity protection.
Approximately XX/XX/2016, I was contacted via my cell phone from a company called TMG Financial to which I had never heard of before. The representatives for this company called my cell phone 3-4 times a day asking me to send money for a credit card to which I had no knowledge of. I further stated to them that I had never made a debt or signed a promise to pay note with this company. I naturally assumed that they were scammers because they asked me to send money and asked me to verify my personal information to which I refused because if they had opened an account with me- they would already have all of my personal information. The reps for the company were very unprofessional and refused to stop calling my cell phone until he paid them. They further stated to me on several occasions that I needed to pay my bills or they would not stop calling my job and cell. Around XX/XX/2016, they began to call my job at the XXXX 5-6 times a day. They even called on the days when I was off duty. My supervisor began to complain about the amount of personal calls I was receiving at the job. I asked them numerous times to stop calling me- they refused. Lastly, they have even began to report late [ payments on my credit report which caused my score to plummet 60 points since that time. I repeatedly told them this account was n't mine and then asked them to provide me a legal debt validation to which they refused to send the contract. However, since that time- they have continuously reported false information to the credit bureaus and harassed me ion my cell and my job. This has caused me a great amount of undue stress because of the uncertainty of losing my job because of the calls and my credit worthiness being diminished. I know that my rights have been violated in accordance with the FCRA. I have kept careful record of the phone calls on phone log and have acquired a statement from my supervisor with the amount of calls to my job- along with monthly credit reports to show the decline in my score. Every time they called, they asked me to verify my personal information with them so that they knew if they had the right person- but they failed to make sure I was the right person when reporting to the credit bureau. I never made an account or signed any contracts to pay TMG financial. I will not hesitate to confer with a consumer attorney if this matter is not addressed expeditiously. Govern yourselves accordingly. The phone number they called from was XXXX and XXXX.
I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours
XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.
I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to be open for greater then 60 days to ask for a increase which may or may not place another inquiry on my credit report. Basically I was lied to and misled on that first call
My account was compromised and Equifax took their time and notifying me. 

Previously my life was ruined because someone stole my identity .... Which is why I had Equifax in the first place. 

They had a breach and dis not notify their clients. That is wrong.
On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? 
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft. 

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. 

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? 
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

While on the phone with this company a representative even stated that I have no contract with Ad Astra.
Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}
I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.