WillisBack/dataset-financial-user-claim huggingface dataset:
My son needed a loan to start college. He then decided to go into the military so the loan was deferred. He was in the XXXX for 6 years. When he got out, he started school. Unfortunately the school he was at for a few years lost their accreditation and he was living in Idaho. He had to basically start over. Since the loan has been there for 10 years, they are demanding payments that he can not afford. He is still in school struggling to get his degree. He has no income. They are refusing to help us set up an income based payment plan for him. We can not afford these payments. They should help him defer a few more years or create a payment plan based on his income. They have not been helpful at all. I am very disappointed in the system. The interest he has been paying is ridiculous and adding up every day. This company needs to make special accommodations in these situations. He took 6 years of his life to protect our country and there is n't any protection for him?
I signed up for the Chase Southwest Rapid Rewards credit card around XXXX of 2014 with the promotion of XXXX miles and {$200.00} off the flight I was booking when I spent {$500.00} the first three months. I recieved the {$200.00} off and XXXX welcome miles but not the XXXX miles that was advertised. I waited for more than three months but never got my miles that was advertised. I called the company and inquired about the miles. They told me that since it was passed the three months period there was nothing that could be done. They could not even tell me if there was a promotion like the one I saw while booking the plane tickets because they do not keep records of it!! Basically I had no claim of false advertisement by them since I could have imagined the whole promotion. I saw the promotion and that 's why I signed up for it. They are falsely advertising their promotion to get people to sign up. I hope CFBP look into this misleading advertisment by Chase and punish them for taking advantage of their consumers.
I was out of state traveling and had left my vehicle at my friend XXXX XXXX 'XXXX XXXX  complex, XXXX XXXX in XXXX Rhode Island because she was supposed XXXX XXXX me to and from the airport. My XXXX XXXX XXXX was left on private property in the parking lot of her apartment complex. Upon returning on XX/XX/XXXX, my vehicle was no where to be found in the parking lot. I first called the towing company associated with the apartment complex who had no knowledge as to the whereabouts of my car. I spoke to the XXXX of the apartment complex and she had no knowledge of my vehicle being towed. I called the XXXX police department and asked them if they had any records related to my vehicle and they didn't have any information regarding my vehicle. The XXXX police department sent an XXXX to XXXX XXXX apartments to try and further assist me at which point I was advised to fill out a police report stating my car had been stolen and that upon recovery I would like to pursue legal action against anyone found to be involved in my missing car. I called the customer number for Hyundai Motor Finance, the company my vehicle is financed through and they told me that my car was repossessed and gave me the number to the recovery agency. 

I was out of state at the time my vehicle was repossessed and had made arrangements to pay the total amount due upon returning. I had called Hyundai Motor finance on XX/XX/XXXX to get the total amount due from the automated phoneline in order to XXXX the total amount due upon returning. 

I never received anything through certified mail stating that my car was going to be repossessed which according to the state laws in Rhode Island and Massachusetts is a legal requirement prior to repossessing a vehicle to let the person responsible for the auto loan know the vehicle is going to be repossessed prior to the vehicle actually being repossessed. 

According to the state laws in Rhode Island XXXX The city/town police department in which a vehicle is going to be repossessed from must be notified prior to the repossession of said vehicle. 
The XXXX Police department had know prior knowledge of my vehicle being repossessed the date of XX/XX/XXXX, nor the date of XX/XX/XXXX, XXXX, or XXXX of XXXX. The Rhode Island Recover company in XXXX Rhode Island did not do their due diligence in taking proper action required prior to recovering my XXXX XXXX XXXX on XX/XX/XXXX of XXXX. 

The Rhode Island XXXX company that repossessed my vehicle for Hyundai Motor Finance also illegally took my car from private property which according to the state laws regarding repossession of a vehicle in the state of Rhode Island XXXX is illegal action. 

Therefore, I wish to formally file a complaint against Hyundai Motor Finance for wrongful repossession of a vehicle without proper notification prior to repossession, and also with the company associated with the illegal repossession of my vehicle for not taking the proper and legal steps prior to the recovery of a vehicle for a financial company.
I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.
I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does it?
Hi there, I applied for a Home Depot Credit card, got approved ( X/X/17 ) and received the card. Had it for 2 months, went to use it 3 weeks ago for the very first time and find out that it has been blocked. It had been blocked for 4 weeks according to the agent on the phone but nobody thought to notify me like any normal credit card company would do. I was told it was for fraudulent activity 1st even though it had never been used, then told that it wasnt fraud that it was something to do with risk, was told that it was a computer that put a block on it and not a person, then by the end of that conversation was told that there was a risk department called " black ops ''. Was then told that a supervisor had spoken to the manager of the risk department and that the supervisor would contact me back in 24 hours to explain what the issue was. A full 14 days later and no call from the supervisor. I call again today and was told by a manager this time that they can not put me through to the risk department, they can not give out the risk departments number, that the risk department may contact me by letter and there may be a contact number on the letter or they may call me instead. She said that they are a global company but are not connected to the risk department. So, as with my previous call I ask to cancel my credit card that I have never used. And they said that they can not do so until the risk investigation that they 've given me zero information on is complete. I feel like this is insufficient information on their behalf and I am concerned about how they are handling my personal/business information. This is my 1st time using Citibank NA and so far its been a negative experience. Why would anyone want to do business with a company that does n't contact you and you are unable to contact one of their specific departments, it just does n't make sense. Thank you for your time, Best regards,
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!
ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,
TODAY I ATTEMPTED TO OBTAIN MY FREE ANNUAL CREDIT REPORT WITH EXPERIAN BEING I ENCOUNTERED A PROBLEM AND I WANTED TO MAKE THAT THERE WAS NO FRAUD REPORTED. UNFORTUNATELY EXPERIAN REFUSED TO PROVIDE ME A COPY OF MY FREE REPORT AND THEY WANTED ME TO RECEIVE MY REPORT NUMBER BY MAIL OF WHICH I DO NOT KNOW WHAT THIS MEANS.     UNFORTUNATELY I CAN NOT CALL THEM AS THEY ARE CLOSED AND I CAN NOT CALL THEM IN THE DAY TIME AS I WORK AND CAN NOT GET ON THE PHONE.     I WANT EXPERIAN TO PROVIDE MY FREE ANNUAL CREDIT REPORT SO THAT I CAN MAKE SURE THERE IS NO FRAUD ON MY REPORT.
As I make payments to principle to pay down my debt more rapidly, Navient raises the interest rates on the private loan to offset the difference in interest they receive. In the past year they have raised my interest rate more than 2 % in direct relation to my principle being lowered by extra payments. I did call them to ask why my interest rate was so high and they did the additional payments as a reason for my rate hikes.
ABILITY RECOVERY SERVICES # XXXXNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM XXXX ABILITY RECOVERY SERVICES # XXXX To Whom It May Concern This letter is being sent to you in response to a computer generated, INFORMATION and letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
My husband and I both had and IRA account that had matured and we wanted to roll our money into an IRA at another bank offering a better rate. We went in person and asked that the check be made out to the name of the other bank XXXX our name like we have done numerous times over the years. They said they could only make it out to us which would generate a XXXX on each. They said the receiving bank could request it sent electronically, but we would each have to pay a {$25.00} fee. The IRA/CD rates are so low that we should not have to pay to get our money. We took the check to save the fees, we will receive XXXX on each and our new bank will provide documentation we will have to provide when we pay our taxes. Is this legal?
XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...
Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1200.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. 

Portfolio Recovery does not use account numbers. This account is a duplicate account of its account reported to the three credit bureaus in the amount of {$710.00}, that has also been discharged under  Chapter XXXX Bankruptcy.
On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.
I made charges on the credit card, XXXX in this example, and I paid off the balance in full through a checking account with my financial institution namely XXXX Bank also known as XXXX Bank XXXX XXXX. I have the bank account statement that shows the payment was accepted because there is a debit in the amount of the charge in my checking account. Now, the credit card company namely XXXX has not credited the amount in the credit card account and they are leaving a balance with a payment due. I do not have a balance on the card and there is no payment due. I am a responsible citizen and I would sincerely appreciate attention to this matter.
A teen  account was open for my XXXX-year-old daughter with Capital One financial institution Bank XX/XX/XXXX. My daughter received on the many employment search sites a check that she was instructed to deposit. Naively she deposited this check. When some funds cleared she made the withdrawal of {$500.00}. The check was later deemed fraudulent by the bank and the account was closed. My daughter now understanding having had a conversation with myseld was instructed she would be responsible to repay the money. She worked part-time and was able to make a couple of deposits. Her job ended and school resumed. This summer of XX/XX/XXXX she secured a job as a XXXX XXXX XXXX. She made the remaining payments. XX/XX/XXXX she attempted contacting the security team to order another debit card and her account was declined. I want to know if she has been reported to the XXXX XXXX Banning her from opening account anywhere. Yes she made a mistake yes she was scammed like many others, more financially literate persons than a XXXX year old. This is not an attempt to minimize the severity of the offense but to understand the age bracket of the accused. She suffered the consequences with the removal of the account in the era of Technology a card is much of a requirement in order to function in daily life living style. She learns her lesson she made restitutin of {$200.00} in XX/XX/XXXX. She's aged XXXX should she be penalized to this severity for the infraction? 

XX/XX/XXXX deposits {$1100.00} and {$110.00} Outstanding was {$290.00}. 
No money is owed.
In deciding the outcome of a dispute Bank of American took {$75.00} out of my account triggering consumer protections under regulation E of the CFPB. 

Bank of America has adhered to none of those provisions in this incidence and with the activation of the 5 business day window of being required to honor most incoming charges it would have otherwise honored, it has demonstrated a purposeful disregard for the law. 

Moreover when management XXXX XXXX in Arkansas ) has been confronted with their lack of compliance they plead ignorance. 

In their current, active, and continuing illegal denial of legitimate incoming charges including those from XXXX, XXXX, XXXX, and XXXX Bank of American has caused me injury. 

This is an immediate problem causing me injury now and yet again when confronted, BOA management suggested I write a postal service letter. 

Rights delayed are rights denied and I request immediate and remedial action to fix the problems BOAs reckless disregard for the provisions of regulation E has caused.
All of my student loans were originated from XXXX. I have repaid the principal balance and interest. The balances are reflective of junk fees, late fee 's attorney fee 's ect that have been accruing interest for over 23 years. I am not able to make any payments on these loans and can not return to school to finish my degree, impacting my credit rating. 

The loans are eligible for cancellation?