WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making my student loan payments on time. Ever since I made my 1st repayment to AES, the servicer for XXXX XXXX, my monthly payment amount has not been consistent. It keeps increasing. I make my payments automatically each month through my bank. I received a letter that my account is past due {$150.00}. My payment was increased {$150.00} per month without any notice. When I called to inquire, they told me that there is nothing they can do to help me because of the type of loan that I have. They told me two years ago that my payment would not increase, but it did. This is absolutely ridiculous that they are not willing to work with me to keep my payment the same. I can not afford for my loan payment to increase from {$310.00} per month to {$460.00}. I could understand if I had defaulted on my loan, but I have been making payments. I was just told that there is nothing they can do to help me. This is nonsense.
I have a checking account and on XX/XX/XXXX I had bal of {$760.00} with transactions pending of {$230.00} and $ XXXXbut were already subtracted leaving the bal at {$760.00}. I cashed out my XXXX earnings at midnight on XX/XX/XXXX of {$220.00} and it gave me a balance of {$980.00}. At XXXX checked my bal and showed same status I mentioned above. At XXXX I checked bal and it showed chk for {$1200.00} being paid, but the put check through over pending transaction in order to charge me two additional overdraft fees at {$34.00} apiece when I should only had been charged for overdraft on check only.
XXXX credit report deleted my car loan completely and it destroyed my credit i am still paying on this account.
I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your help.
i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my credit report
Dear XXXX of the Consumer Finance Protection Bureau, AWA collections, as of XXXX XXXX, 2016, continues to violate both State and local laws of the XXXX Arizona 's XXXX debt collection statutes which prohibit the collection of medical debt from consumers participating in State Medicaid / Medi-cal. The original creditor and AWA collections were notified by the Arizona Department XXXX XXXX that " balance billing '' and pursuing a bill against an XXXX enrollee can trigger civil penalties of " three times the amount of the billing '' and is expressly prohibited by Arizona XXXX XXXX XXXX. 
When this occurs, it is appropriate to report the unlawful billing practices to the XXXX XXXX of XXXX XXXX for further action, since the XXXX considers such billing practices by providers to be " fraudulent ''. 

In XXXX of 2016, The State of Arizona notified AWA collections and XXXX XXXX XXXX that pursing this bill is in violation of state statute. AWA collections continues to disregard such notice and continues to illegally collect and report to the major credit bureaus. 

AWA collections has also illegally reinserted this collection with the major credit bureaus and failed to notify me in writing prior to its reinsertion. 

This is my final attempt to resolve AWA 's illegal and fraudulent collection of this bill. I understand mistakes happen, and expect AWA to resolve and discontinue the collection, reporting, and dissemination of this alleged debt. I have filed a complaint against AWA collections with the State of Arizona 's XXXX. 

AWA Collections has violated both the FCRA and State of Arizona 's state statutes regarding debt collection of covered state Medicaid recipients. AWA Collections is liable to me should I reserve my right to seek resolution through the legal system of the State of Arizona.
Case File No :  XXXX  Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named   XXXX   XXXX   and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges,  Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you  are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full.  <P/> If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within  Seven Working days after the petition is filed against your name.   <P/> Should have any assistance regarding this case you can reply back on the same email.  <P/> Do revert ASAP in order to avoid legal consequence on your name and SSN.  <P/> Thank You.     XXXX   XXXX  .
On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.
I sent a certified letter to XXXX XXXX on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, XXXX XXXX did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
I had my girlfriend help me with my finances i have XXXX XXXX in XXXX AZ she changed my direct deposit to her personal Chase bank in XXXX XXXX account I berly found out. now doesn't answer me and keep {$6000.00} XX/XX/2018 - Install of XXXX, XXXX - Tran ID DP XXXX - {$2700.00} XX/XX/2018 - Install of XXXX XXXX, XXXX - Tran ID DP XXXX - {$2500.00} XX/XX/2018 - Sale Advance XXXX, XXXX - Tran ID DP XXXX - {$800.00} Let me know if the bank needs a release date from my end - I'll be glad to talk to them if any other bank information is needed - good luck Mr. XXXX, hope bank can resolve the matter for you soon
I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. XXXX XXXX
To whom this may concern, This is a follow-up to my previous letter sent to Equifax on XX/XX/2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to Civil Code Section 1785.20-1785.22, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. 
Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. 

This was an unauthorized act from Navient - I never agreed to any income default or forbearance
I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
When I was getting my XXXX I jaf agreed to 4 private loans from XXXX XXXX. I was unemployed, so I began a forbearance program that increased the loan amount. I have since experienced multiple issues : -Federal loan I have no knowledge of and dispited -dealing with representatives who are very un helpful and communicate very conflicting information about their loan programs -I applied for a new interest only loan and payment term extention in XX/XX/XXXX. I was  approved and the new terms were never applied to the loan.
Sent AFNI a certified notification to verify the debt they claimed I owed, and they never responded to the letter.
XXXX  Bank  ( same as Total Bank , Inc )  refuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full wh ich it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX  ). I filed dispute with you for  XXXX  and   XXXX   last year.  XXXX  fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  Total Card Services,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?
During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.
I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report
Based on information I received indicating that Equifax 's credit freeze website was not entirely secure, I called Equifax to request that a credit freeze be placed on my account. I was told that, in fact, I could not have a credit freeze put on my account via phone. Instead, I was directed to the Equifax website and told that the only way I could put a credit freeze on my account was to go to the website. I told the customer service rep that I did not want to use the website and did not trust the website. No change. I asked to speak with a supervisor and was told that one would not be available for another 15 minutes. I said I would wait. About a minute later, the same rep came back on the line and said that the supervisor had told him to tell me that the Equifax website was fine and that I had no other options. I asked whether I could still speak to the supervisor and the customer service rep told me he was " very busy '' and would not be available for quite some time. 

I find Equifax 's response to what is a massive security breach to be callous, at best. They created this problem. They are in no place to be dictating how we try to fix it. Both XXXX and XXXX allow credit freezes to be put on a file via phone. When I called Equifax 's line, they said that I could not do so. This is completely unacceptable and only serving to put additional barriers in the way of people who want to take the necessary steps to protect themselves.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done.
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.
Approximately one month ago, our Citibank Citigold Representative called my wife, XXXX XXXX, and asked her for some information regarding her employment, our net worth, etc. Citibank told her that this related to the KYC ( Know Your Customer ) mandate. My wife provided all the information requested. 

Last Thursday ( XX/XX/XXXX ), our checking and savings accounts were frozen. We spoke with XXXX XXXX, our Citigold representative, who investigated and learned that, although he had submitted our information to the KYC group, that group " had a large backlog, '' and therefore our information was not entered into Citibank 's system. As a result, action was taken to close our accounts. Our representative requested that the account closure process be stopped, but was unable to do so. He told us that Citibank 's internal policies did not allow him to reach anyone with the authorization to reverse the account closure action once it had commenced, even though the KYC group acknowledged that the process had been commenced in error. 

It is now Wednesday ( XX/XX/XXXX ) and we have received no helpful updates. We have been told by Citibank that our account has been unblocked, but the money has been taken from the account. Our Citibank rep is unable to learn whether ( or when ) our money will be returned to our checking and savings account. He tells us that it is possible that a cashiers check has been produced, in which case our money will be mailed to us. He says it's also possible that no cashiers check has yet been produced, in which case it may be possible to reverse the ledger transaction and return our money to our account. He told us that it is not possible for a Citibank branch representative to directly speak to the group which is responsible for handling this, so it's impossible to tell us where our money is. He says that he must wait for someone within that group to send him an email, which may come tomorrow, or next week, or at any time. 

Meanwhile, we have many our bills tied directly to the account, and are bouncing payments all over the place. This will undoubtedly damage our credit, and hurt our relationships with various utilities and other companies, including some small businesses. 

This, obviously, is frustrating to us, particularly since we still have no certainty around how & when it will be resolved.