WillisBack/dataset-financial-user-claim huggingface dataset:
My dates of enrollment were incorrect- I was listed as being " in grace period '', when I was actually enrolled in school at least part-time. This caused my subsidized student loans to accrue interest when they were not supposed to, so I contacted the school I was attending in Fall XX/XX/XXXX- the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & had them fax the info to XXXX at Navient. I had already paid off a few of the loans that the interest was wrong on, so Navient is having to go back & retroactively adjust the amount of interest on the loans in question. I have received notification from Navient back in XX/XX/XXXX that they had received the info from XXXX & that as a result, my dates of enrollment have been adjusted. I called On XX/XX/XXXX, & spoke to XXXX XXXX ( employee # XXXX ) & requested that the amount taken off of my loans as a result of the correction be sent to me in writing. She informed me that a customer service advocate would send the info to me, but that it would take 5-10 business days. I again requested that the amount that was deducted from my balance due to my dates of enrollment being adjusted be sent to me in writing during another phone conversation with XXXX ( employee # XXXX ) on XX/XX/XXXX. I received an email from a customer advocate named XXXX on XX/XX/XXXX & again, I requested the info. Today, I sent her another email- requesting the information for the 4th time ( this is the 2nd time I have made a written request- the other times were verbally over the phone. ) It has been a month since I have been trying to have this information sent to me in writing, but they have ignored my requests.
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me  and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Please note that this is my second complaint against the same company regarding the same mortgage.     I am purchasing a property for the first time. I was advised to lock in my mortgage rate, guaranteed that I would receive a loan commitment letter the following business day  ( Monday ).  I did not receive it until weeks later. I am purchasing a co-op, and the process is lengthy, every single day of a rate lock counts. I advised the mortgage company that I did not want this rate locked in any longer, as I did n't receive the commitment letter timely.     Additionally, it came to my attention that my credit was run by  PHH another time before my rate lock, and a delinquent account appeared. I was never advised of this account by anyone at PHH,  and only knew this affected my rate until early  XXXX  when   XXXX   advised me  ( 2 mon ths later ).     I am now being told that they can not change my rate, and that it was extended after I advised a supervisor at   PHH that this was not what I wanted.
In addition to this, I was told that I can not lock in another rate unti l 60 da ys after my current lock expires. This is unacceptable, as the only reason the current lock even occurred is due to PHH being unethical in their practice  s and misinforming consumers.
As Per my last CFPB Complaint id no. : XXXX My mortgage co Planet home lending Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my XXXX  credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like Planet home lending to correct the error with XXXX and have XXXX  send me the updated copy of credit report with correction.
I have been trying to dispute an account on my credit report for over a year. The name of the collection agency is Diversified Consultants XXXX XXXX XXXX XXXX FL XXXX. The debtor is XXXX, the amount showing is {$1000.00}. I have sent several letters the last letter dated XX/XX/2018 stating that they needed to send me proof of my signature that this debt is valid. They sent me a copy of a statement showing this amount. This is not proof.
XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen.
Starting about three years ago my wife and I suffered several financial issues all at once which caused us to need a home modification. We had a XXXX which failed and lowered our total income. We got help from " XXXX '' who convinced Wells Fargo to lower the interest rate to make our mortgage affordable at that time, however Wells Fargo also added $ XXXX back into the principle which eventually caught up with us. We then suffered internal damage to our home due to storm winds and internal flooding. We are currently faced with pre-existing XXXX damage ( XXXX to repair ), septic tank failure ( XXXX ), market values dropped from $ XXXX to $ XXXX and my wife diagnosed two years ago with XXXX which has forced her into XXXX retirement. We filed bankruptcy three years ago and Wells Fargo was excused from the bankruptcy in XXXX 2016 after which they notified us of pending foreclosure. 
We requested a modified mortgage with Wells Fargo and after allowing us a three month trial adjustment period they offered us a new loan with an increased principle ( $ XXXX ), an increased interest rate ( from 3 % to 3.2 % ) and a 40 year fixed loan. Upon review of our appeal Wells Fargo recently informed us that we could afford to pay over {$1800.00}. per month although my wife now requires monthly treatments, her income is half what it used to be and we have $ XXXX in home repairs which must be repaired ( basement XXXX XXXX and septic tank ). It seems that each time that we make a new request to Wells Fargo we are told that we can afford to pay more. It seems that they never actually consider our finances and/or our situation. Are there any laws which protect us from this sort of treatment from these large banks. Did n't they get a " bail out '' from financial problems just a few years ago? 
Please help if you can. Advise us if you can not intercede on our behalf. 
XXXX XXXX XXXX XXXX Wells Fargo loan # XXXX
On XX/XX/XXXX I deposited a check in the amount of {$98000.00} dated. The check was made out to my company XXXX XXXX XXXX. The check was dated XX/XX/XXXX check number XXXX. Before I allowed XXXX XXXX to deposit the check I explained to him what the check was for. I have a asphalt contract with XXXX XXXX XXXX. He called someone on the phone and came back and assured me that there would be no issues. He stated that {$49000.00} would clear within 5 days and the other balance of {$49000.00} would clear five days after that. Before the money was to clear I received a message stating that my account had been closed. I also received a statement stating that {$98000.00} was in my account. I went to the bank he requested that XXXX verify the check. They did verify the check. He stated that the account would be reopened and it would clear in 7 days. Once again no money cleared. Went back to the bank and told me that the check would be mailed out. No check was mailed out. I called the bank and a rep stated that the check was being held in the vault and I should get a letter in the mail as to what I needed to do. No letter has come and no money has come. XXXX XXXX requested that the money be sent back. No money has been sent back. XXXX XXXX has not been helpful he has been giving me the run around. When I call the bank they leave me on hold and he never picks up. He does not answer emails. The prje3ct is now on hold because I have no money to pay the workers or buy asphalt. I need the money to be returned back to me or back to the sender.
CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A VICTI M OF IDENTITY THEFT
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report
In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.
I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?
XXXX collection reinserted after it was deleted. XXXX number XXXX XXXX dated XXXX/XXXX/2015.
I co signed for a loan for my wife at the time. When we got divorced, she filed the paperwork to release me from the loan, and Navient told me I was no longer on the loan. 7 years later, I find out I still am. My now ex wife has now continued to try and release me from the loan, but Navient is now saying that it's not possible.
Received a call from XXXX XXXX XXXX Stated his company name and that he could process paperwork for getting my mortgage modified. It takes approximately 90 days. Once the processor has been notified of modification they can not ask for a payment therefore, rather than send my mortgage payment to the servicecer I would send the payment to XXXX XXXX the amount that I would be paying on my mortgage. When the modification is granted I will then get reimbursed for the 3 payments made to XXXX XXXX. That is how they are paid. XXXX then told me my processor 's name is XXXX XXXX XXXX. 
File to big to attach. Only attached documents to be returned with checks
A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.
My loan servicer, the Pennsylvania Higher Education Authority ( PHEA ),  will not approve my request to change to an Income Driven Repayment Plan, even though I have submitted all the required documentation. They have also rejected my request to receive public service loan forgiveness credit for a 17-month period of qualifying employment, even though I have submitted the required paperwork more than once. 

On XXXX XXXX XXXX, I submitted the required forms for changing my loan repayment plan via certified mail. As required, I included a copy of my most recent federal income tax return. 

I still had n't heard anything by XXXX XXXX XXXX, so on that date, I contacted PHEA via phone. I spoke with PHEA Employee XXXX, employee ID # XXXX at approx. XXXX. ( Hawaii Standard Time ). She stated that my income-driven repayment ( IDR ) request was still pending because we receive hundreds of thousands of forms a day and two weeks was not enough time to process my IDR request. Instead, she said it would take 1-2 months or 1-2 billing cycles in order to process the request. This surprised me. I told her that she had not been helpful, but that it did n't sound like she could be helpful, and then I ended the conversation. 

The very next day, PHEA sent me a letter stating that they could not process my IDR request because they had not received a copy of my federal income tax return. Because I actually had submitted a copy of my income tax return, their stated reason did n't seem credible. Rather, it seemed like a reprisal for complaining about slow processing time. 

I have another, separate problem with PHEA. I was employed as a XXXX XXXX for the XXXX XXXX XXXX for a 17-month period in 2013-2014. This counts as qualifying employment for loan forgiveness purposes. Accordingly, I submitted the required forms, signed by my previous employer, in order to receive credit for this period of public service. PHEA continues to reject my application for service credit.
I have asked Wells Fargo many times to stop the solicitation of offers. This has been very distressing to my wife and I because all we want to do is make our mortgage payment and ensure it is applied correctly. The first complaint that was submitted to the CFPB on XXXX/XXXX/XXXX had the same problem listed. Wells Fargo agreed on XXXX/XXXX/XXXX to discontinue all solicitations within 60 days. It is now past 60 days and I am having problems navigating the website because the first thing I see is solicitations. I open my mailed mortgage statement and there is solicitation paper that falls out for credit card offer. On my mortgage statement there are 3 additional offers. These include an offer for a new mortgage, an offer to refinance my mortgage, and an offer to buy home and auto insurance. 

The payments that I make are very confusing to understand if they are applied correctly and on time. On my mortgage statement once I am able to get through all of the offers I see 2 lines for 1 payment. I have no trust with Wells Fargo because each person advises me differently and Wells Fargo does not follow through with their promises.
Wells Fargo refuses to talk to me on the phone since my phone automatically records all phone calls. This is a problem because I have to wait 10+ business days for a response by mail. Many of these responses I have been promised have never been received. The responses that are received are never followed through with such as removing solicitations in 60 days. The last time I spoke to Wells Fargo on the phone I was advised that I should pay past the due date to accommodate their payment logic. I am worried that Wells Fargo is going to foreclose on my house since they will not speak to me on the phone and is advising me to pay past the due date. 
Complaints with the CFPB have seemed to be ineffective.
Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.
XXXX XXXX gave me a degree in XXXX XXXX in which what they taught was no longer being used in the workplace.
A transfer was not available as promised with the reference number of  XXXX  using  MoneyGram c ompleted on  XXXX / XXXX / 2017 .  XXXX  in  XXXX   XXXX  proceeded to pick up the transfer and had problems. He was told to contact me and have me call in  MoneyGram  at  XXXX   XXXX   XXXX . Today  XXXX / XXXX /   2017  I called in and spoke with a female customer service representative that stated she would do a refund which was not my request. I told her I did not call for a refund. I called to have the error fixed with the recipient picking up his transfer.
On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help
I checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
this Account Number XXXX Account Type Installment LoanTerms67Months Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
I bank with Bank of America. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with BOA a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and BOA charged me {$45.00} in fees. I spoke with a phone representative of BOA who informed me that this is a common practice. If a recurring debit is denied, BOA is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you.
My date scheduled to close on a house was Friday, XX/XX/2018 at XXXX XXXX The closing could not go forward because, the appraisal was for a conventional loan and it should have been for an FHA loan. As a result, I lost {$500.00} for an appraisal that could not be used at settlement. I would like to be reimbursed for the money I spent for my appraisal.
I 've been getting daily automated phone calls from XXXX ( XXXX XXXX XXXX for XXXX XXXX (? ) for the past week or more. More than half the times I 'm called I do not receive a message. The automated voice system also does not allow me to remove myself from whatever it is without staying on the line and " acknowledging '' I am XXXX XXXX.
This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX   accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,