WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted an income based repayment plan recertification with my new student loan borrower XXXX XXXX. I applied for pslf and they stated that They were going to send my loans to Pennsylvania higher education because they were the ones that handle the loan. I submitted my request within the 3 month window. And they responded stating that my idr request was denied because I submitted the request too early. Now I have to resubmit the request as the time is within 2 weeks of needing to have the certification before i am taken off my idr plan. This will increase my monthly payments to an amount I am unable to pay. They also said for the correspondence I would have to wait for the document to come in the mail before I could dispute their claim. It stated on studenloan.gov that when I filled out the request it could be used for the future date when my recertification was due. It appears the company is denying my request close to the time they will be able to remove me from my income driven repayment plan.
I have been contacted by fed loan several time. My last semester was on XXXX XXXX to XXXX XXXX. In XXXX XXXX I have been contacted by fed loan requesting a payment. I filled a form to inform fed loan that I still study in my university. My university confirmed the infomation and inform fed loan my graduation day. On XXXX I received a statment requesting a payment by XXXX XXXX. I do n't undestand why fed loan is sending those statement. This is unfair and they 're afecting my credit on purpose.
I cancel a money transfer made online since XXXX/XXXX/2016 still did receive my refund back and Western Union customer are not try to solve the problem
they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.
I filed a dispute with TransUnion regarding an invalid item on my husband 's credit report. The same day, I filed a complaint with the CFPB regarding the debt collector. TransUnion took well over 30 days to respond. Attached is the letter I received, with the post-marked envelope it was sent in. I filed both the dispute and complaint on XXXX XXXX, XXXX. TransUnion came with an XXXX XXXX postmark. 

TransUnion also concluded that the debt being reported was correct and would remain on my husband 's report. 

Meantime, we received a letter from the debt collector in reponse to the CFPB complaint stating the opposite ( also attached ).
After receiving an email that my account was closed, I had called Capital One to explain that I had a been a victim of identity theft and was hoping that they would extend some type of help to keep my account open. After speaking to several representatives and supervisors, they were very steadfast on closing this account. Even one supervisor explained to me that this was the only type of calls that he was getting all day. Many of the representatives were saying that their hands were tied behind their back. My main concern is that I was not even notified that my account was in jeopardy of being closed even after I called to get a new card because of my identity theft. When I order the new card not one person informed me of anything that was about to go wrong.
Transferred {$3000.00} on XX/XX/XXXX online from XXXX checking account to CoinBase a Crypto Currency company based in XXXX XXXX, Ca. 
On XX/XX/XXXX or XX/XX/XXXX CoinBase sent me an email informing me there was suspicious activity on my account and my account would be frozen for 3 to 5 days. The next day I got an email from them informing me my account would be frozen for 30 days ( calendar days not business days ) I was told by the phone rep of Coin Base. 

I have called them about 5/6 times for clarification and their phone reps were unable to offer any information about why or for how long my account would be frozen I informed them on one of these phone calls I want to close out my account and to send me my money back They said my account was frozen and they can not give me my money back until it is unfrozen. 
Yesterday, XXXX XXXX I was able to talk to a CoinBase supervisor and he informed me that my account would be unfrozen on XXXX XXXX. HE said that the amount of time my account was frozen was totally wrong and he would do his best to rectify my problem. He said he should have an answer for me by close of business XX/XX/XXXX ( yesterday ) I contacted him by email today XX/XX/XXXX to inform him of his not rectifying the problem and have not heard back from him I feel CoinBase has been less than honest or fair with me in this problem and I would like to file a formal complaint against them Thank you
On XX/XX/18 I received a check from XXXX XXXX XXXX for work that I was to perform for XXXX XXXX. XXXX XXXX initially contacted me via telephone and requested that I provide a quote for painting services. After agreeing on a price, XXXX XXXX sent mea check for {$4500.00} for the work to be performed. Part of this fee was to be spent on painting supplies and art to be hung up after the job was completed. My fee for the job was {$1800.00} with me receiving 50 % of the fee up front. The remainder was to be spent on the supplies. 

Upon receiving the check, I deposited it into my XXXX Checking account on XX/XX/18. That night XXXX XXXX requested that I withdraw {$3500.00} of the money and deposit it into a XXXX XXXX XXXX Account. The name on this account is XXXX XXXX XXXX. The account number is XXXX the next day on XX/XX/18 I looked at my account to make sure that his check was accepted. After seeing that my account reflected the deposit, I withdrew {$3500.00} from my account and deposited it into account listed above. XXXX XXXX XXXX required me to purchase a Moneygram for the deposit. 

Moneygram charged me {$0.00} for each money order. I bought 4 money orders. Once I deposited that money into XXXX  XXXX XXXX they accepted it. XXXX XXXX asked me if I deposited this money and he rushed me to do this. He told me to send him a copy of the deposit. With my frustration with rushing me I told XXXX XXXX I would not want to do this job. 

Upon this conversation I spoke to Moneygram to cancel sending the payment. At this point I knew this was not something legitimate and I wanted to cancel the payment so I can retrieve my money back. Moneygram refused to do that because it was a pending payment. By the time it was deposited into that Account on XX/XX/XXXX, " XXXX XXXX '' had already withdrew it. I can not know this for sure but I would like answers. Can XXXX XXXX XXXX/Moneygram reverse this payment so I do not have to be a victim of fraud like this.
I contacted aAdvantage in regards to late fees charged on my account in XXXX. They had not sent the statements to me and I had a purchase of {$25.00} dollars for checking in a bag at the airport. Citi assured me that they would reverse the fee and send a new statement. I updated my email at the time. I checked back now in XXXX and they had not reversed the late fees. I ended up paying the balance off today XXXX and contacted them to reverse the late fees again. They said it had been a couple of months so they can not reverse the previous late fee but will refund me {$35.00}. I asked for a confirmation number and they said it was emailed. I asked the attendant to stay on the line and checked my email but did not receive a confirmation number. When I asked the attendant about it she said it was sent via regular mail. I asked to speak to supervisor to get a confirmation number over the phone at which point the line cut off. I am going to cancel the card as I am not impressed by the service. I wanted to ensure that I do not keep getting charged late fees for what I have already paid for. In total my bag check in of {$25.00} dollars has cost me XXXX for XXXX to XXXX = XXXX. I think this is unfair and Citi should take responsibility. I always pay my cards on time and this card and service seem to be a problem.
On XX/XX/2018 I called XXXX XXXX to withdraw any ACH I had signed with them. The reason being- I will be paying them from another account, which I expressed to the company. She told me no problem and they would no longer withdraw. I log into my account on Monday, XX/XX/2018 and have a withdraw of XXXX from XXXX XXXX. I received no e-mail, phone call, nothing- even to warn me of this charge to my bank account. I have also filed a dispute with my bank.
It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, XXXX, and Transunion in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set forXX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX  and XXXX where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.
I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.
I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct
XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.
This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXXand updating this information onXX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from Portfolio at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report Portfolio indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and Portfolio is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
Consumer portfolio services and XXXX XXXX XXXX XXXX entered an agreement with us on XX/X/2011 for a 60 mo loan. it should of been over by last XX/XX/XXXX yet it is showing we still owe 5+ payments at late fees. They have improperly applied payments to interest instead of applying any of the extra money to any owed fees and principal as they should of. They were ready to " settle '' the account for less, but failed to even mention the fact that it would damage our credit even further than it already had. We started off paying ahead on the loan, and yet still got it with late fees, which started a downward spiral of credit issues on this account and every time paid extra to get back on track they would mislead us and apply the money incorrectly. now I am still paying on a car almost a year after it was supposed to be paid off, how is that even possible. if we would n't of got a second opinion on this, then we could of been stuck in a cycle of paying for this car forever, even thought the bank received more than their fair share.
I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing bogus XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but JUAT cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX YOSELF
I attended XXXX while serving in XXXX, the pricing was getting taken care of by military benefits. I then went XXXX, I return home after being XXXX to find on my credit report Navient. Not only are they reporting negative information on my credit report when they should n't be they called family members harassing them. They got their numbers from old student loans from XXXX XXXX including my fathers when he has n't been in school and done with loans for years. They called my grandmother and let me tell you I got an ear full from her, saying I gave out her number and how disappointed she was in me. For what for fraudulent charges by some company I have no responsibility too. Not only all of this I also find the amount they are trying to " collect '' does n't even make sense. So apparently Navient wants to be known for taken advantage of military veterans and scamming them out of their money while ruining their lives!
Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.
I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED.
The credit bureau Transunion is reporting an account on my credit that is not mine XXXX and have been for a couple of years.
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I actually could have chosen several of the complaint subject because the all where applied as a result of retaliation, starting from XXXX XXXX, XXXX XXXX, Department of Education and Most likely XXXX XXXX. I was retaliated against after filing a claim in relationship to my deductions from my Social Security Check for two separate reasons, I have contacted as many agencies that I know of and continue to until I get a hearing concerning these matters. I have been locked out in order to be exposed to an assault using group stalking, arrested and jailed for resisting arrest without having committed a crime to be arrested for. I have been forced out of employment, Robbed and threatened inside of my housing. I have endured more than I can describe in a Dictionary sized book, and still to this day I am getting calls on a daily mostly robot calls, to include text of non relevant material. Intercepted Legal Mail, to include Appeals, At XXXX It  's not hard to recognize being the subject of an assault, rather you use cars for cover, call centers, glasses or an umbrella. Not to mention confirmation from others in the vicinity of their presence. Without saying to much at this moment though I have 3 different student loan debt collectors all claiming them the exact sane amount for an amount of money XXXX received and not me. Nor did I get a Higher Degree or Employment from them. But I did get beat, kicked shocked, and robbed of an inheritance because I was XXXX  for it. Never received Money or anything else from XXXX that can be considered an tradeoff. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AS WELL AS U.S. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, Al XXXX have all been collecting {$33000.00} since 2008 after I wrote XXXX XXXX a Letter to get information on their claim
I have submitted several letters, made phone calls, faxed info, and wrote the ceo email address regarding my issue and it has yet to be resolved. There is an account with XXXX XXXXXXXX XXXX showing twice on my credit report, i have documentation from the organization. The document states the account should be brought current. All experian keeps stating is that they verified the account belongs to me. I am well aware that it belongs to me. I am not disputing that account, i am disputing the status. Would like this corrected right away
RE : Report # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
AWA debt collections are in the wrong. The fee continues to rise at XXXX  dollars. I don't owe them anything. I'm willing to pay XXXX if I need to. But it's postposterous to be owing a debt collector money and I have not made an agreement to owe them anything.
Wells fargo doesnt send updates to an app i use.   XXXX   XXXX   app.