WillisBack/dataset-financial-user-claim huggingface dataset:
I am a soldier ( XXXX XXXX XXXX ) .I have gotten a letter in the mail from the State of Maryland XXXX College stating that my account is in collection.I have already sent out a letter stating that I have dispute the validity of this debt. I receive tuition assistance because I am XXXX XXXX. Tuition assistance is suppose to cover the cost of classes so the only thing a soldier would have to pay for is books and other materials for classes. The XXXX classes I took was covered but the XXXX and XXXX was not. The first time I registered myself, I had no issues. The counselors registered me thru the college website the second time and now issues have arisen. I noticed that it takes a long time to reflect on their website that tuition was covered by tuition assistance. I received a letter thru the mail that I was in collection and this was my first and only notice about that. As soon as I got the collection letter I went to the school representative but was told they could do nothing about it. I found out through another counselor that it is not only happen to me but other soldiers have gotten a bill when tuition assistance should have been covering their cost. The counselor also stated that other schools would drop the class for you if they do not receive tuition assistance protecting the soldier from incurring unnecessary cost and not messing up a soldier 's credit. She also told me that the only way for me not to be charged is it has to be system error in the XXXX website or it was a counselor error. Yes I did apply thru goarmy.ed for tuition assistance. The XXXX classes I took was for XX/XX/XXXX and I pass both classes. I received the bill in question XX/XX/XXXX. Someone should have contacted me sooner so I could have remedy the problem quicker.
I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
On XX/XX/XXXX I returned shoes to XXXX XXXX in which waited the allowed time frame to get my refund. In which didnt get the refund then disputed the transaction and received the money on XX/XX/XXXX. Then they took it back from my account XX/XX/XXXX. I have been disputing this since XX/XX/XXXX. They have yet to fix it then. Theyre disputing incorrect merchant. I am beyond furious with having to do their job and not getting the customer service I should be getting.
i have two properties in XXXX Ca which i refinanced in XX/XX/XXXX and when i signed all of my Docs all of my docs shows XXXX XXXX California and for some reason Loan care decide to sent all of my mail AGAIN to in address in XXXX keep in mind i already filed a complaint against Loan care in XX/XX/XXXX which got started in XX/XX/XXXX Case number XXXX and here i am again having the same issue. 

Account # XXXX {$2300.00} Account # XXXX {$1800.00}
When I called Shellpoint in XXXX, I was told by my Relationship Manager, Mr. XXXX XXXX, that my new mortgage payment would be {$1300.00} which is at a fixed interest rate. 

The letter dated XX/XX/XXXX and received by me on XX/XX/XXXX that I received from Shellpoint now puts the mortgage at {$1300.00}. The letter was received after the mortgage was due. I sent {$1300.00} on XX/XX/XXXX because that is what I was told was due by Mr. XXXX. This payment is much higher than my original payment for which I requested a modification to help with my original payment. 

When I called on XX/XX/XXXX to inquire of the mortgage payment, the representative said the payment is {$1300.00}. This is not the amount I would have agreed to pay. 

When XXXX transferred the loan in XXXX, I was in a trial modification and the balance was {$190000.00} which included {$20000.00} in fees that they put on the back of the loan. The letter I received from Shellpoint is {$210000.00}, which appears they added another {$20000.00} in fees in three months.
I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 months later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload below.
I was offered a settlement offer and exchange to have the account removed, which I took advantage of, as of the date of this dispute this account remains on all XXXX of my credit files.
My loan is now serviced by Navient. We have been overpaying unknowingly since they changed terms on our loan for quite some time now. I believe they have been taking this money and applying it to future interest, which is essentially stealing, since future interest does n't exist and if I pay my loan early, never see that money again. I am aware they settled a lawsuit for exactly this practice earlier this year, but seem to still be doing it. I want that money either applied to principle, or I want it back. My second complaint is that they took XXXX of our loans and changed the terms, adding 10 years without our consent. There is no phone number to contact them, and an email on the matter went unanswered so there is essentially nothing I can do. Again, I equate this with stealing, as they will be making considerable more interest since extending my loan and it seems I have no power to fix this except hire a lawyer which I think would work, but would be very expensive, and I 'd rather use the money to pay off the loan and get out of business with these crooks as fast as possible.
My friend in class XXXX reffered me to this website called XXXX, a babysitting website, and so I was told this is a legit website. I got a reply to a job posting from a women name XXXX XXXX, stating that I would help take care of her sick sister. The women promised {$500.00} in advance and {$500.00} each week for the responsiblilities. She told me she would erase the posting so no one else would get it and that she would email me. She 's been texting me of this number ( XXXX ) and told me she sent me a check and then asked if I received it and asked me to deposit it into my bank account and so I thought the check was real and deposited the check at my bank ( Santander ). I deposited the check on Friday the XXXX of XXXX 2015 and it cleared Tuesday the XXXX of XXXX 2015. She then asked me to deposit XXXX that same day for the apartment for her sister into an account by the name of XXXX XXXX XXXX ; Account type ; checkings ; Account number XXXX ; Routing number ; XXXX I deposited the money in cash and then the next day I got a call from the bank telling me the check was no good. I went straight to the bank and they told me there 's nothing they can do that I am held responsible for the funds. I am a XXXX year old college student just trying to get extra work on top of my other XXXX jobs. I just got my first car and have to pay for my XXXX college classes on my own, I pay for all of my own expenses with no help from my parents. when I went into the bank the same day they called me to tell me, a bank teller then looked at a second fake check that was delivered to me the next day I brought in for proof and she looked at it and saw right away that it was a fake check. My confusion and frustration is why did n't the bank teller that I gave the fake check to deposit not notice the same thing the bank teller noticed about the XXXX one, mind you both tellers worked in the same exact bank that this occurred. I 've been scammed and I feel as though I deserve a dispute. I have been with Santander a long time now and they wont even help me from recoving from being a victim of fraud. They are not helping whats so ever and they wont allow to even make claim.
I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.
I submitted a certified letter to COMMONWEALTH the collection agency, in fact I used cfpb.gov ( Debt collector response sample letter template ) and within this letter I asked them to contact the Credit Bureaus ( If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ) Well my letter is dated XX/XX/XXXX I am sure of it because the certified receipt is dated XX/XX/XXXX. This was a month ago. This was for the Unverified/Validated information concerning the medical debt for XXXX. 
CommonWealth reported to XXXX a 'New collection ' letter on XX/XX/XXXX, another letter I received from XXXX on XX/XX/XXXX letting me know changes on my credit file has taken place from this ( misinformation account XXXX ).
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.
Ocwen Mortgage has caused me to go into foreclosure. They have failed to apply my payments correctly. In fact when they filed the complaint in foreclosure, they were utilizing an old agreement. My loan was modified in 2014. Despite making payments under the agreement, they were not properly applying my payments. They took money from me, cashed the checks/money orders and said, we did not receive the money. When I called the electronic system, the recording said, your account is past due. I attempted to reach someone by phone to find out what was happening, but could reach no one. In my opinion Ocwen is very unorganized and the company is a complete disaster. This has caused me a lot of stress, needlessly. Please help
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with XXXX business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %
Paypal has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report  complete and accurate information to credit reporting bureaus.
We moved in XXXX 2017 to a new home. XXXX sent a debt for a cable bill that was for my daughter to a debt collector. My daughter, s service was not at my home. My daughter is XXXX. The collection agency must have obtained my address from XXXX. I tried talking to XXXX. but they said they could not help. Tried the collection agency but never could speak to a real person.
Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on my last billing statement. When I called to ask why I was being charged interest, I was told I should register with online banking so i could see my purchases and know if a payment was required before the billing date. The customer service representative said all credit card companies have this same policy, which is not true. I have no interest in registering with online banking with this company. I think they are dishonest and plan on closing my account once my balance is paid off. I think this is just a scam to get money from innocent customers. I looked at my bill and no where on it does it say the amount must be paid 25 days from the date of purchase. I used to respect this company, but I do n't anymore because of their deceptive practices.
Today I had a fraudulent charge on my PayPal account. As soon as I got the email from Paypal stating that a transaction was pending, and I knew it was a transaction that I did not charge, I looked at my account on my mobile phone, looked up the phone number for PayPal, and got the run around with their messaging prompts. None of which had anything to do with reporting a fradulent charge. I then logged into my paypal account on my computer and I got a screen saying that someone has logged into my account using a device that was n't mine and was from a different country. All they asked me to do was change my password. They never asked if I should review any recent transactions made. I never received any communication about this device being logged into my account. 
I then read the directions of how to dispute a fraudulent charge which told me to do that in the resolution center. After going to the resolution center, it would n't let me dispute the charge. I then went to send an email through the contact page about the fraudulent charge but it would n't let me send - my email was too long to send but it never said that, it just said something was wrong. I ended up calling my bank and putting a stop on my account for this charge - costing me {$33.00}. I went back to send an email with a XXXX sentence statement to paypal ( even though they say to make it as detailed as possible ) and it went through ( from the contact page ). 
It took me XXXX to dispute the charges through Paypal. It took me 5 minutes to call my bank and put a stop on the transaction.
CAPITAL ONE ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON XXXX   111 TIMES AND IS FAILING TO REPORT TO XXXX.
I applied to get a home equity line of credit with XXXXXXXX XXXX. On XX/XX/XXXX, I faxed a letter to my mortgage carrier, Seterus to get a letter stating that a previous loan showing on the property title report was satisfied. I bought the home in XXXX with an FHA loan from XXXX XXXX. XXXX XXXX sold the loan to Seterus. In XXXX, I refinanced with XXXXXXXX XXXX  and the loan went back to Seterus. XXXX will not issue the line of credit until they have a letter from Seterus stating the prior mortgage was satisfied. I have contacted Seterus no less than eight times in an attempt to get a letter saying the previous lien was satisfied. I have been passed around and Seterus refuses to give me the lien release letter needed to show the previous lien was satisfied.
American Express over charges interest on card. 

On the XX/XX/XXXX closing statement, the interest charged for XX/XX/XXXX to XX/XX/XXXX is charged at 21.74 %. The balance noted is {$1000.00} and the charge is {$18.00} Yet, On the XXXX closing statement, the interest charged for the same period at a lesser balance of {$1000.00} IS HIGHER at {$19.00}. 

In other words, they are charging a higher amount of interest for the same time periods when the balance is LESS. 

They are also charging {$2.00} and {$2.00} for the date of XX/XX/XXXX
The following inquiry was not authorized, please remove from my report. 

Discover Bank Inquiry from XX/XX/2018 2018
I signed up for automatic debit payments from Navient. Navient would take the payments from my account. I would have to call and make the payment over the phone. When talking to them, they would say it 's something wrong my bank account which cause them to not pull the payment. I use the same account to make the payments over the phone. My account always their payment in the account but Navient will say I had insufficient funds in my account. My bank and I have talked and proved there was enough money in the account to make the payment. Navient charges a late fee each time it 's late and it is ruining my credit.
My credit report shows a negative collection/chargeoff from capital one.This account has been closed since XX/XX/XXXX. The full balance was paid. Capital one still shows a negative account on my report. I disagree with this negative report from capital one. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX / XXXX XXXX / XXXX # XXXX # XXXX