WillisBack/dataset-financial-user-claim huggingface dataset:
I was billed by an automated fuel dispenser for fuel I did not receive. I was told by the merchant the fuel dispenser had been damaged and they would " make it right. '' I made several inquiries regarding the error and have been ignored. I submitted a dispute through my card issuer, JP Morgan Chase, who sent me a letter indicating they validated the claim after they determined the " merchant provided the services for which I was billed. '' Curious since the bank employees indicated they were not able to contact the merchant.
The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.
Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland.
I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.
To the Consumer Financial and Protection Bureau I enrolled to a debt settlement program after my XXXX from the military after the few years of negotiating to a XXXX or more creditors they finally settled some of it some are they violated my rights and end up to a harassing call XXXX of this creditors are the XXXX and ended up happening to settle out of court my debt settlement company agreed not to file a law suit in order to forgive the debt. another debt a XXXX an unsecured debt that already been settled by my settlement company the XXXX. now the issue here is what ever i do to check my credit reporting still showing a negative impact to my credit report now I cant even get approve to purchase a home because of this XXXX credit reporting agency wont fix what is the right credit report. I hope your agency can give me an answer.
i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. 

They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. 

They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. 

I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time
Collection debt from XX/XX/XXXX in XXXX XXXX, VA for service at a local emergency room on XX/XX/XXXX, reported to Experian with my name and mailing address in the amount of {$260.00}. I tried to dispute online to no avail. I have not been in an emergency room since XX/XX/XXXX. 

When I called the collections people directly, they could not find an account attached to my social security number or birth date. How can this debt be attached to my credit record, when these things can not be verified? They refused to correct their report, unless I had my son call them. 

By the way, my father, my son, my grandson and I all share the same name. I suppose this debt belongs to my son. I am no longer responsible for his medical expenses since he is XXXX years old.
I locked my coinbase account because I thought someone else was trying to login to it but I was mistaken and it was just a prior login I had attempted but put in the wrong info. On XX/XX/XXXX I requested that the account be unlocked so I can have access to it. I generic emails from coinbase and responded to them and each time I respond it says that I can't respond to the emails even though it says to respond directly in the emails. I have called customer service upwards of 10 times over the last 4 months. I have been assured that the case is being handled and then a few times they even admitted that they messed up and the case was just sitting there. I most recently received an email on XX/XX/2018 which seemed like someone was actually looking at the case and he said in the email " After youve taken steps to secure your e-mail and phone, please respond directly to this email to request access to your account be restored. '' So I responded to the email and go the automatic response again! The auto response says " Thank you for contacting Coinbase. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.comXXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' But I am not going to continue to submit tickets to create new cases if they can't even answer and fix my first ticket. 

I just want access to my account and the support I have received to far is borderline fraudulent that it has been 5 months and I still have no access to my funds on coinbase and there is no sign that I will get access to them soon.
My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.
I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!
I recieved notification from my credit monitoring company that a new collection company was listed- XXXX XXXX XXXX. It says it was for XXXX XXXX- I called XXXX XXXX because I was unaware of this unpaid debt. They tell me my account from XX/XX/XXXX is in collections because I had a balance due- as well as unreturned equipment. I advise dit was returned and why was n't I informed prior to this, they said they sent a bill XX/XX/XXXX and that was all. They said they did n't send anything after that- that they do n't have to. How am I suppose to know about a outstanding bill or they did n't receive my equipment if they did n't send me a bill? They also state that you have up to 15 months to return the equipment- after that you have to pay for the equipment, that date was end of XX/XX/XXXX for this account. Funny how it appears on my credit bureau shortly after the time period they say I  now own the equipment and have to pay for it- when they have n't sent proof that they never recieved it. Deceptive practices!
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON XXXX , XXXX AND TRANSUNION REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
I had a loan with XXXX XXXX, that was paid off by XXXX -- a Company that helps with student loan debt. Persels closed their operation. A year later, I received a letter from Navient Credit Solutions stating that I owed a balance and interest had accrued for the past 18 months. 

I attempted weekly to obtain verification of the debt and have never received it. I even offered to pay the minimum balance to bring the account out of default while I disputed the debt. 

My Credit Report is clean, yet they still maintain I have and owe the debt.
Contacted Equifax regarding an unauthorized inquiry. They asked for me to contact the company and speak with them. The company sends me a letter stating it is unauthorized and they will contact the credit bureau 's to have the inquiry removed. Submitted the letter from the compnay to Equifax multiple times and they have yet to remove this inquiry. I also asked for them to forward whatever proof they have to show this was in fact an authorized inquiry and they ignored my request.
I am a XXXX and have worked full time since 2012 aside from maternity leave. I was fortunate to qualify for XXXX Loan Repayment through XXXX and XXXX which helps me make payments for 3 years, providing me more money each month than I am required to pay to FedLoan Servicing. 

Recently I submitted my Public Service Loan Forgiveness ( PSLF ) certification but was shocked to see that I have only made XXXX qualifying payments in the 4 years that I have been working at my XXXX. FedLoan Servicing 's justification is that the extra money that I paid on top of what was due, automatically was put towards the next month, disqualifying ALL of those payments from PSLF. 

For each month I made payments from between {$2800.00} and XXXX each month, while only required to pay {$720.00}. My bills however show {$0.00} due every month. 

I find it outrageous and disheartening that by default, overpaying your bill each month would result in " Paid Ahead '' disqualifying payments from the PSLF program, unless I had taken additional steps to personally request that the money not be put towards the following month. I feel like the last 3 years of my payments have been wasted, and my XXXX program actually extended my PSLF months. 

This results in 3 years of additional payments, which is real money. It results in me being locked into a qualifying employment situation for XXXX additional years, all because for a period of time I was able to pay extra. I find it unjustifiable that by default, extra payments have negatively impacted my life.
I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.
XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information immediately.
Our Mortgage was sold to Freedom Mortgage when we bought our new home. We originally signed on with XXXX XXXX XXXX. The transfer was a nightmare that included misinformation, payment dates, and payment amounts. Freedom dropped the ball in all aspects. 

Then, Freedom Mortgage was late on paying our XXXX taxes. We called to let them know about this issue, we were told that they would handle the late fees incurred. When they got around to paying them ( a month later ), they paid twice and the late fees were charged to our Escrow account. After this payment they conducted an Escrow Analysis, discovered that our Escrow was far into the red. To balance this our Monthly mortgage payment was raised by {$340.00} so they can prevent this from happening in the future. We were in the red because of their double payment. 

We called and notified Freedom Mortgage of the issue, they 're response was that the Escrow Department would look into it and it could take up to 45 days, beyond the date of when the new payment was due. When we inquired about this we were told that if we skipped the increased payment ( which was due to their incompetence ) that we would be charged a late fee and it would negatively affect our credit score, or worse. It was advised that we pay the increased rate until they get the issue worked out on their end. 

So as a consumer, I am to pay for the issues that they caused until they work towards a " resolution ''. This is completely unacceptable.
After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to NCO Financial Systems , Inc. ( A debt collection agency - herein " NCO '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly XXXX years after said letter was received by NCO, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from NCO Financial Systems, and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from NCO, I simply disconnected the call, and began filing this complaint.
This complaint is in reference to case number XXXX. The Trustee for Nationstar Mortgage XXXX And XXXX XXXX, has made the sale of my house public. The publications from XXXX different Attorney are attached for your perusal. I called Nationstar Mortgage yesterday, XXXX XXXX, 2015 and I was told that my HAMP Loan Modification is under review. The lady I spoke with, XXXX XXXX also acknowledge receipt of the XXXX page documents I faxed to Nationstar. These documents were asked for by Nationstar in order to proceed with my HAMP Loan Modification.
I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.
My private loan accounts were initially owned by XXXX XXXX. XXXX XXXX and I reached an agreement to continuously pay {$200.00} a month to remove me from default to current. When speaking to XXXX XXXX a year later regarding my Education Loan, they stated it was being transferred to Navient. They also stated my private loan would be moved over as well. 
I then continuously paid Navient every month, and when my agreed years of payment was reached ( XX/XX/XXXX ) they contacted me with a settlement offer of XXXX. I could not make that the large payment and asked if I could keep the same {$200.00} payment. The Navient representative agreed and I gave my banking information. Approximately, 5 months later I received a second call from Navient inquiring if I would settle the account by paying {$17000.00}. I could not make the second payment and the representative stated they would keep doing the ACH deduction of {$200.00}. When viewing my private loan online I saw my status was considered late payments. When I spoke with the representative she stated the only way the status would change was if I made a lump sum payment to bring it current. I could not make the {$5000.00} payment, so she suggested I make larger payments to have more go to interest. 
I recently acquired my credit report from all XXXX agency and saw that Navient had me as a Charge Off. When viewing my credit score it shows my account status as derogatory and not paying. When I inquired via telephone why was this on my credit the representative stated this was the way they state default. We both went back and forth about the way their reporting there information and that they never notified me it was a charge off. 
On XX/XX/XXXX, did credit dispute with XXXX credit Bureau ( XXXX and XXXX ) and sending documentation to XXXX.