WillisBack/dataset-financial-user-claim huggingface dataset:
I attended  XXXX   XXXX  from  XXXX  to  XXXX . I graduated and left with a bunch of loans. I have been on an income base repayment plan since I graduated. I owe more than I make. I was I had false practices with my loans.  I was told be a loan consolidating that there were more than one loan opened in one day. Loans being taken out of my name without my acknowledgement. I will receive emails showing I have {$0.00} payment and then come across some emails showing I owe {$100.00}. I 've tried to apply with borrower defense   back in   XXXX   XXXX   I did not hear back from Navient regarding me claim. It was n't until last week,  XXXX   XXXX  when I thought I, was being scammed by a student loan servicer that I had called Navient to ask what their affiliation with Student Loan Educators was and they told me they do n't work with third parties regarding student loans and also that my submission for the borrower defense program was denied. Nobody contacted me or, let m e know it was declined. This student loan debt is screwing my credit score. Its really hard to obtain credit or even a house. I got lucky with my current apt . I feel Navient did not look into my loans to investigate amd to help me discharge some or if not all my student loan debt . I put  XXXX   XXXX  as my school on my resume and I 'm being laughed at or ca n't get a job in my field with my degree, I, would really appreciate if someone would look into this. I 'm so, desperate for help I went to a student loan servicer and got scammed. Please someone help.,
Starting end of XX/XX/XXXX/XX/XX/XXXX of this year ( 2015 ) I have been paying additional money on my mortgage to pay off the principal of my mortgage. My mortgage company has not deducted the additional money paid from my principal balance and continues to say that I do n't have a payment due. I called once with no resolution. I again called today and the customer service rep then told me that I have to write a letter to their research department and will get a response within 30 days. They refuse to give me a phone number to speak with anyone. I am trying to pay my mortgage off early and it is obvious that Carrington Mortgage does not want me to do so. I am frustrated and want the {$13000.00} extra I have paid applied towards my principal ASAP!
Customer Service Rept. from Wells Fargo Home Mortgage called and wanted to know why I had filed a complaint against them " Why I DID That '' I attempted to explain to him but his voice kept getting louder and louder. I remained calm and told him I was dissatisfied with the detailed message they had left on my home answering machine. He seem very upset that I had filed a c/o. His tone & loudness of his voice was very frighting, I was afraid to answer the phone when I had next call fearing it may be him calling me back to harrass me
On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??
My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.
Dozens of phone calls from the revenue group in XXXX Ohio indicating an attempt to collect a debt. Wo n't disclose what the supposed debt is unless I share personal information which I refuse to do. I have told them I have no outstanding debts and to mail me information regarding the matter as it could be identity theft or something. The callers are rude and contine to call several times a week for the past few months.
There are several items that are on my credit report due to fraud. 
My social security number was stolen from me to open accounts in my name.
This account has been on my credit report since 2009, pass the 7 year period, I have tried to dispute it several times to have it removed but experian wont allow me to dispute.
I co-singed on a Sallie Mae loan for my son while he was attending XXXX University. He has struggled to find a job after XXXX and we were allowed to set up his loan on a loan modification program. Payments were set up on a direct debit out of his account. After 4 or 5 months the direct debits stopped. After calling and inquiring why this was the case we were informed that they had removed him from the program because " he was enrolled in school. '' He has never been enrolled in school after XXXX. For the last 6 - 8 months I have been calling Sallie Mae and fighting to reinstate his loan modification. Each time I all I am assured that he is still in the program, they do n't understand what happened, they need to research the problem, and someone will call me back. This never happens. Sallie Mae has a record of all of my phone calls and they know exactly what is going on yet they refuse to honor their commitment and follow through on the loan modification program they set up. This is affecting my credit and my sons.
Consumer XXXX was a free service, why are they reporting me as a Collection account. They never worked no matter where I was. I want it removed from my reports immediately.
Multiple contacts with TD bank were left without action by the bank, even some were not recorded. Latest complaint was made on XX/XX/2019 with XXXX XXXX in Chairman office who informed me that the bank likes to track customers ' IP addresses if they are abroad. From me the bank is asking for telephone number, otherwise blocking access to my account. This is an outrageous violation of privacy, rights and freedom of customers.
after paying off my monthly balance of about {$120.00} i used the card for XXXX purchases totaling about {$95.00}. I then got a statement saying my balance was about $ XXXX.I called the company ( capital one ) and did not get a resolution, only rhetoric. I then canceled the card only to receive an e-mail that repeated the same disputed amounts
1. Two fraudulent charges were made to my XXXX XXXX credit card totaling {$1200.00} as stated below : a. {$210.00} - charged on XX/XX/XXXX b. {$1000.00} - charged on XX/XX/XXXX 2. On XX/XX/XXXX, I filed a fraud claim with XXXX XXXX Fraud Investigation Department. ( See uploaded XXXX XXXX Fraud Docs ) 3. On XX/XX/XXXX, I received a formal letter from the XXXX XXXX Fraud Investigation Department stating that their investigation was completed stating, " As a result, we removed the disputed charges and any related fees and interest charges from your account. '' ( See uploaded XXXX XXXX   Fraud Docs ) 4. On XX/XX/XXXX, the charges had been removed, only to be transferred to my new XXXX XXXX credit card, and have remained since that time charging me interest.
I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore.
My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.
XXXX, Transunion and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
I'm just trying to get a credit freeze on my report. I went to the Experian page, gave them all the info they asked for. Was told that it wasn't correct. I then went to their page to upload my ID. It was We can not accerpt this as it is a JPG file. We require a TIFF file. 
Fine. I convert it to TIFF and upload it.

Your session has timed out and the page has expired. Please return to the front page and start over.

We can not accept this as it is a color image. We require a Black and White image. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
Could have said that. 
I load it into XXXX and convert it to Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image.

UGHHH. I take a new picture of the ID, making sure it's in Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image. 

They're making people jump through so many hoops just to get what is supposed to be a free service.
LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.
XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?
In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.
XX/XX/XXXX my credit score with Transunion was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my XXXX scorer dropped 89 points in 2 days. 
I called a Transunion and the dropped seem to correspond. 
Now this sudden drop in XXXX. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
I've completed two complaints regarding false statements from my mortgage company XXXX XXXX XXXX. I have a written response from them stating my bank didn't honor my payments and a letter from my bank I sufficient funds and no funds were attempted to be retrieved. The last payment retrieve from XXXX XXXX was in XX/XX/2017. My account has not changed and the check they received in XXXX from my financial institution should reflect the same account info from XXXX 's payment
On XX/XX/2017 found debt on account in amount of {$1900.00}. Ex-spouse obtained loan during my XXXX using my name after trying to have item removed amount on credit report jumped over {$3000.00}.
Applied and received XXXX XXXX Credit card held by XXXX XXXX in the amount of {$150.00}. Paid and cancelled card. Collection Agency Portfolio Recovery reported a collection account to credit bureaus in the amount of {$450.00} they have been calling my phone for months, I mean everyday. Spoke with rep twice told them this debt had been paid in full and no more discussion. The date placed to the bureau has been excellerated. ( not true ) .This company calls my phone from multiple cities and uses multiple numbers. They will not send me nothing in writing verifying the validity of this.
In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.
My home was unlawfully foreclosed on by Caliber Home Loans and XXXX XXXX XXXX XXXXt. The foreclosure should not have taken place as foreclosure paperwork was fraudulent in there was no disclosure of change of ownership. This change of ownership was no disclosed to the court. Additionally this is an unfair debt collection practice by the firm that represents Caliber Home Loans. In the case involving this particular assignment, evidence has surfaced that shows the XXXXXXXX XXXX XXXX XXXX  is in fact not a trust holding beneficial rights to the Defendants loan, but rather it is an undisclosed Participation Agent for yet more undisclosed investors. In essence, the named assignee and Plaintiff in this case, XXXX XXXX  XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX  is nothing more than a sham
Security credit services reported this debt multiple times on each of my three reports as a new account in XXXX month.I never received a notice to dispute or even an explanation of the debt. They call my cell constantly and the one time I answered the lady would not explain what the debt was for and told me they did not have time to mail me a notice. It is Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX/XXXX/XXXX for XXXX date reported XXXX/XXXX/XXXX phone number XXXX
I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery. 

I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report. 

Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I  hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
One Main Financial has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. the dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called One Main Financial and got nothing more than a run-a-round by their customer service representatives on multiple call by myself to them. That is the reason I am making this complaint.
I recevie a letter in the mail that was written on XXXX from a debt collector name, Pressler, FELT & WARSHAW, L.L.P. ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
My husband and I have an negative escrow balance of {$9500.00} and an escrow shortage of {$13000.00} with Homebridge Financial Services. Our mortgage continued to increase from {$1100.00} to {$1600.00}.

In XX/XX/XXXX, because of the constant increase in payments, with Homebridge, a loan office by the name of Ms. XXXX XXXX told me about tax deferments, and how they worked. 

Ms. XXXX contacted her XXXX, Ms. XXXX XXXX, who needed something in writing from our XXXX Co XXXX XXXX to this effect ; We got the written communication from the tax assessor and Ms. XXXX gave the go ahead with the deferment. 

Homebridge honored the tax deferment from XXXX to XXXX. During this time, we thought the taxes were being deferred and not considered delinquent. Unbeknownst to us, HomeBridge was advancing funds to cover the taxes. 

We have been in constant communications with Homebridge via email, phone, and certified mailings regarding the situation. We have spoke with Mr. XXXX XXXX out of the XXXX, TX Office on XX/XX/XXXX and several occasions afterwards. 

There have been several communications w/ Ms. XXXX XXXX XXXX VP of Customer Serv. on several occasions via phone, email, phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), certified letters sent to Mr. XXXX XXXX, XXXX, Mr. XXXX XXXX, XXXX both on XX/XX/XXXX ; I spoke with Mr. XXXX XXXX, VP on XX/XX/XXXX, all in vain. 

Homebridge sent a certified letter addressed XX/XX/XXXX from Ms. XXXX basically telling me there was nothing to be done to assist w/ our situation. 

Our homeowners ins expires on XX/XX/XXXX ; We changed ins companies and paid the insurance in full for the year. Homebridge in the meantime paid the ins up front a moth in advance, which will increase the mortgage, again. We paid it ourselves to hopefully decrease the mortgage. Now, ins has been paid twice! 

My husband is a XXXX, both of us are senior citizens, on or about to be on XXXX, and on a set income. We are struggling to meet the new increase. We negotiate monthly between buying our medications and making the unaffordable mortgage payment. 


See attachments : We need CFPB 's help!
The Issues : 1. Capital One violated state and federal laws and regulations when informed verbally and in writing that XXXX XXXX XXXX XXXX XXXX stole my Capital One credit card number. 

2. Capital One conspired with XXXX XXXXXXXX XXXX XXXX XXXXXXXX to defraud me. 

3. Capital One has instructed me in writing on how to defraud the IRS.

4. Capital One has repeatedly lied to the CFPB to try to cover up their violations of state & federal laws and regulations : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

The Details : Attached Folder 1 The Documented Proof : Attached Folder 2 Some documents provided by Consumer Services under the Attorney General of Florida