WillisBack/dataset-financial-user-claim huggingface dataset:
I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?
I have my payroll deposit funded through my XXXX prepaid rewards visa. The prepaid card offers a reward of one point per dollar spent and some occasions two times and three times points earned. Each point they state is earned per dollar spent. The prepaid card pays out rewards quarterly and there must be a minimum of XXXX points earned. That would equate to {$5.00} in XXXX rewards. 
Last quarter, XXXX through XX/XX/2018, once again the company shorted me on my rewards. I downloaded and calculated each months statenent. I should had been awarded XXXX points which equals {$83.00} in rewards. 
I was only awarded {$19.00}. A major shortage of {$64.00}. 
I continue to call the customer service number and continue to get the run around
Hello, I have checked my credit score using XXXX. Here it was listed that I have an account with XXXX and a debt of {$2300.00}. However, I have never taken any credit or debt out. This is either Identity theft or a mistake.
This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.
I Just called Equifax Office on Phone # XXXX and spoke with a rep IN THE CONSUMER RELATION DEPT BY THE NAME OF XXXX XXXX SHE ADVISED ME THAT THEY DO NOT SEND OUT THE ORIGINAL CONSUMER CFPB PLEASE TAKE NOTE OF THIS AND I WAS ON A RECORDING LINE AND COULD FORWARD YOU WHAT EXACTLY WHAT SHE SAID CFPB THIS IS A SERIOUS VILATION OF THE FEDERAL LAW ... PLEASE INVESTIGATE THIS COMPANY A BUNCH OF CROOKS
On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Today XX/XX/XXXX, I received a letter from Bank of America stating that " my loan is in forclosure process ''. They are threatening to forclosure on the property again. 

I sent a letter via certified mail to their Attorney on XX/XX/XXXX and have not received a response yet. 

I have sent another letter to XXXX XXXX handling the case on XX/XX/XXXX and still have not received a response.
I attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.
To whom it may concern : I have been a lifelong resident of the great state of Alabama. I 've been active in my community, even XXXX for many years. I have owned multiple towing companies over the years, and I have owned my home for about the last 5 years. Unfortunately, due to a predatory loan and the absolutely despicable treatment I 've received from Citizens Bank, I 'm in danger of losing all that I have. 

The problem started when I refinanced my home in XX/XX/XXXX to remove the seller-backed financing I had on my home. I believed I had a standard fixed rate loan, but nothing about this loan was standard. My business had slowed, I went through a divorce, and eventually I became XXXX. But the real problem was that XXXX balloon payments came due on XXXX truck loan and XXXX unsecured loan that somehow got tied into my home loan ( they were all with Citizens Bank ). 

I had always been current on my payments. I just had no idea of these balloon payments. When I was made aware of this issue in XX/XX/XXXX, I went to Citizens Bank to see what we could do to solve the problem. I was given over to XXXX XXXX ; he 's supposedly the vice-president of the branch, but he does not act like someone who deserves that title. He did not offer any options for solutions, but instead told me I must pay the balloon payments or " lose it all ''. It seemed there was joy for him in doing this to me, like he had a vendetta. The truck was repossessed, and this vice-president told me he was " coming after everything ''. So I stopped making the mortgage payment, and he proceeded to pursue immediate sale dates. I 've held this criminal off, but he 's hell bent on taking my home!!! 

I 'm on a fixed income now, but I 'm not asking for charity. I can afford to make a mortgage payment. I was doing so until late last year when I ran into this XXXX XXXX character. A lowered payment would be great, but even the same payment would be acceptable. What 's not acceptable is being bullied by a hired thug into losing my home when I 'm willing to work out a solution. 

I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.
1. Applied for CS on XX/XX/XXXX. Got approved on XX/XX/XXXX. Debit card and paper checks got mailed out within 7-10 days later.

2. On XX/XX/XXXX, briefly after the account was opened, CS shut down without proper communication. I've been calling CS every single day or two to follow up since no one has contacted me regarding this matter/concern.

3. After days without answer, CS closed my account completely due to the " complicated matter of verifying my identity ''? Which also made no sense because CS never reached out to me while my IDs are always available to upload.

4. After endless calls and conversaions without much help, I am having no hope that CS ( from any department ) would be willing to deal with my account and do the right by me.

Data point : 1. Account has XXXX balance, 0 debit/credit transaction beside - A XXXX XXXX account verification - External account links to 3 other banks 2. Checks/Debit card both got ordered and sent out, apparently my account was fine until they started to mess with me and decided to drop the ball not to follow up. I've had enough phone calls to them to speak with multiple people to confirm who I am and my account opening.

CFPB would be the only place to file this complaint and force CS to follow up and do the right thing for customer.
In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.
I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.
Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE. SSN : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and Equifax and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and Account Number ( XXXX ) : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection of XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint
I paid XXXX on my mortgage in XXXX with XXXX XXXX XXXX XXXX. The branch I would normally use was vacant suddenly in XXXX, so I went to the next tired over to that branch. In XXXX, they sold my loan to Nationstar and I requested my payments log. The 3 payment I made in XXXX are no where in the paperwork. Nationstar has been saying I'm behind since they bought the loan and I can't refinance but these payments XXXX were never applied, thus showing me as behind even though there are no missed payments and had been on auto pay. I've sent both companies this receipt and asked to update my payoff amount to reflect the payments for the receipt I have. I've sent notice of Error letter certified mail, fax, and email. Nothing. 
I figured XXXX wouldn't correct the ER they made so I sent Nationstar/Mr. Cooper this info twice and they won't acknowledge not update my loan either. I want to pay off my loan but I can't get an accurate payoff amount and they're saying I'm behind but I'm not, the payment was never credited to my account.
Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX
The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.
I am contesting the account with Barclays Bank Delaware. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 168 % usage. I need XXXX and Barclays Bank Delaware to correct this account on my XXXX report. I should not owe Barclays Bank Delaware anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected.
This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.
I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer
Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 
[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. XXXX ) ] I spoke with XXXX and his XXXX XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 
XXXX also told me they submitted my complaint on XX/XX/XXXX, to the FTC 's XXXX XXXX XXXX developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 
When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 
I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from XXXX XXXX, who is a debt collector as well! 
I am now re-submitting this complaint to XXXX XXXX, XXXX, XXXX and Bank of America and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 
Please note the attached XXXX : The Court should hold that homeowners may bring a wrongful foreclosure action on the basis that the party foreclosing on them lacks the power to foreclose because they do not own the debt, either due to an allegedly void assignment or for any other legally cognizable reason. 
Dated : XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX Attorney General of California XXXX XXXX/XXXX/XXXX Mortgage complaint form On Wednesday, XX/XX/XXXX there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX & XXXX XXXX XXXX supposedly on behalf of XXXX XXXX on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 
You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!
l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.
In 2007 the XXXX account went into collections due to my XXXX and XXXX   XXXX stemming from my military service during the XXXX war era. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Another account is allegedly open in my name in the same bank. After checking with the bank, I have just one account in XXXX XXXX bank. This has impacted my credit score by lowering it from XXXX to XXXX ( XXXX ) and I don't know why.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.