WillisBack/dataset-financial-user-claim huggingface dataset:
I took out several student loans from XXXX to XXXX that were consolidated into XXXX FFEL loans in XXXX. I have been paying on these XXXX loans for 20+ years. According to Navient, I still have XXXX more years ( XXXX XXXX, XXXX ) to go until I will have paid them in full. I had a Chapter XXXX bankruptcy, job losses and had various forbearances over time. I still owe approximately {$38000.00} which is close to the original amount I took out 20 years ago. I pay around $ XXXX/month and have paid almost the original amount off. 
I have looked at refinancing the XXXX loans before and I have gotten turned down as I have not been out of my bankruptcy for 9 years. The loans were consolidated once. 
My XXXX score is close to XXXX and I make $ XXXX per year working very hard in public service for the XXXX XXXX . I know that if I took out a 10-yr consolidation loan I 'd be able to pay off the XXXX FFEL loans for around the same monthly payment I 'm making now. My current interest rate is +/- 8 %. 
I feel I am being taken advantage of by Navient since they are missing all of my payment information from XXXX to XXXX. I paid XXXX XXXX from XXXX to XXXX when I entered into a Chapter XXXX bankruptcy which I successfully completed in XXXX. Interestingly, none of my payments during those 5 years I was making bankruptcy court payments made its way into paying off any principal - only interest - and now both XXXX XXXX and Navient have conveniently lost my payment info ( yet somehow Navient did obtain my payment info from XXXX to XXXX, but not XXXX to XXXX - 15 years of data )! Neither XXXX XXXX nor Navient have any of my 15 years of payment info! 
I know I have paid off the original sum in full, but over the years they have both deceived me by failing to disclose exorbitant fees and penalties which compound interest so that I will never pay off these loans For example, my apartment suffered damage as a result of a hurricane last XXXX and Navient contacted me via email and instructed me to contact them if " you need payment help due to recent natural disasters. '' I did call them and was old that Navient would n't require payments for two months from the time of my call to help me out after the hurricane. What they did n't tell me was that interest would be accumulating as usual, so it would have been better off not to take the forbearance and just pay them while cleaning up after XXXX Hurricane. 
In addition, I accepted a XXXX offer in XXXX primarily due to the public service debt repayment benefit. I was devastated to find out after accepting the job that I did not qualify from r this program since my loans had been consolidated - this after already trying to pay them down for 20 years! 
These deceptive practices have taken a huge financial toll on me over the years. I ca n't make ends meet, I ca n't stop Navient and XXXX XXXX from deceiving me .... The time has come to put an end to all of this. At this rate, I am never going to pay Navient off - and only they know it.
I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.
I have disputed 10 hard stops on my credit report from XXXX  in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
I have been sending letters to inmates for about 10 years, I also send some  XXXX   XXXX  Orders. I recently sent a money order to a inmate and was informed that she was not allowed to cash it. Supposedly all funds must go through a company called JPay, this company apparently has the authority to punish offenders and their families by charging very high fees for many things that used to be free, like sending money orders to inmates, it still is at some institutions. In this case I have no idea where my money order is. I have sent several emails to JPay requesting information about the money order, they just do n't reply, I have also emailed the Department of Corrections of that state with no results. To me this is the same as stealing, JPay, Department  of Corrections,  the prison itself has no hold on the money. So how do I find out where my money is and get it returned?    XXXX   XXXX
My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.
Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior.
I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.
My complaint involves Santander Bank and their refusal to honor their zero-liability policy. They denied my claim for the very reason someone would file a claim. Apparently they denied my claim because the fraudulent charges were made within walking distance of my last valid transaction. I didnt know thieves were supposed to adhere to strict guidelines when stealing someones debit card. Also, they said the chip was used in the debit card. Hmm, when they stole my debit card they also stole the chip embedded inside the card??? No kidding, geniuss! Also, the PIN was used. Not sure how they got the PIN, but my last transaction was PIN-based and they could have seen me enter it. Who knows? The fact is, I didnt make these charges ... XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018. Santander needs to protect their customers, not throw them under the bus.
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX This complaint is about fraud and it involves XXXX XXXX XXXX XXXX XXXX, a school for profit I attended in XX/XX/XXXX and XX/XX/XXXX. While attending XXXX XXXX XXXX XXXX XXXX, I was assigned an XXXX at XXXX XXXX XXXX XXXX as a means to start working on my thesis. XXXX is involved in grassroots activities trying to help steer its youngsters into ethos of social productivity. XXXX is located in XXXX, XXXX one of XXXX XXXX XXXX 5 boroughs whose residents are mostly minorities ; it is a very tough neighborhood reknown for its deadly violence due to a large influx of XXXX XXXX or XXXX. I, for days to come, along with my colleagues, were instructed to saturate the XXXX neighborhoods with leaflets as a means to attract a large turnout for XXXX annual message of non-violence during the summer. I was served last year with legal papers and every time I showed up in Court, the other side had a problem with lawyering up for the case, at least 4 or 5 times. Finally, on XX/XX/XXXX, Counsel for  XXXX offered to drop charges against me if I would drop charges against them, I refused. My attitude was such because XXXX XXXX has almost {$30000.00} of my students loans in their coffers and I have nothing to show for it. The judge rescheduled the hearing for XX/XX/XXXX. I received an invitation letter in early XX/XX/XXXX for a Court date, I called the District Court to complain about two calendar days and the associate reminded me that my Court appearance was for XX/XX/XXXX. Then the judge and XXXX decided to have their motion behind my back. I do not have a diploma ( degree ) for my studies because XXXX never replaced XXXX with another XXXX. In XX/XX/XXXX,  XXXX through their legal counsel served me with legal papers claiming that I have an overdue balance of {$7800.00} I countersued XXXX for {$30000.00} a sum close enough to the amount spent for my studies at XXXX. Further, the Plaintiff provided a set of Exhibit boguses from page 3 to 5 in which it failed to show why Defendant never graduated. On the Defendants second year, XXXX tried but failed to get its GED program rolling which was the centerpiece of the Defendants thesis.
Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate it.
Released tax lien from XX/XX/XXXX filed XX/XX/XXXX and released XX/XX/XXXX and XXXX file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XX/XX/XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time XXXX, XXXX, and TransUnion states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
I closed on my home XX/XX/XXXX. I have never missed or been late on a payment. My property tax and insurance was not calculated properly resulting in a shortage in escrow. My payments increased which I can not afford at the moment. I have been trying to get caught up on expenses since the purchase. I am making progress however I need more time. I was making payments to XXXX since XX/XX/XXXX. When they notified me of the increase, they have me the option of spreading the escrow over 24 months ( see attached ). I have been doing that since to get caught up. They sold their accounts to another company, XXXX XXXX XXXX. I started making payments to XXXX XXXX XXXX   XX/XX/XXXX. I informed them immediately that I was paying escrow spread out by 24 months and that it needed to remain that way as I had it set up with XXXX. They told me it would not be a problem and that I would see it on my next statement. I never received a response and when I called them 3 days ago to follow up, they told me I was denied it to be spread out over 24 months because it fell within a certain % threshold. I have never heard of anything like that. XXXX always asked me how much I could spread it. XXXX even offered to spread it out further than 24 months if I needed it. Please help as I can not afford this increase in payments. I take protecting my credit seriously as I do not want to fall behind in payments. This can not be fair and I should not be forced to stay with this company under their new rules if they are not making the same accommodations as XXXX. I did not make a decision to do business with them, my account was transferred and should have remained with the current escrow spread-out setup. I was paying {$1300.00} with XXXX. With XXXX XXXX, I am paying {$1400.00} because they will not allow it to be spread out more than 12 months which I believe violates my consumer rights. Lastly, they are saying I owe a late fee on my account, however I do not owe them any late fees. Even though they said not to worry about it, it still appears on my statement every month. The payment system does not say I have a late fee when making the payment, however online, it does. This needs to be removed because when I print my statements for personal needs, it will show I have a late fee. Overall, this company is very unorganized and does not resolve customer issues the way they should. The process for this transfer was not seamless and has caused many problems at the cost of the consumer.
I received a loan with big picture loans was never advised of he apr 832 % that I would be charge for a loan that I would be paying that increase amount over the borrow amount
I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. 

This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. 

Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.
I've had a PNC XXXX XXXX account since XX/XX/2010, the account was with me from XXXX   to XXXX, now XXXX. The account had become overdrawn due to a dispute on a merchant transaction which was not authorized. PNC, provided provisional credit during the time of review with the merchant. Per my understanding, the merchant provided information stating the charge was valid. I did not have time to rebuttal their claim. Therefore, PNC withdrew the funds from the account. I was not aware that the account had become overdrawn. I received a statement the other day showing a negative balance of XXXX roughly. This now is reported on XXXX XXXX and XXXX XXXX as I've got a charged off account. Had I know this occurred, I would have put the money back into the account putting it at a XXXX balance. PNC never called me, never wrote me asking to put money in the account.
To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks XXXX XXXX
In XXXX XXXX we paid our motorcycle and truck insurance to XXXX using our BP XXXX Credit Card. This card was closed in XXXX XXXX because XXXX was selling it 's BP cards to Synchrony on XXXX XXXX, XXXX. We moved from XXXX to XXXX in XXXX XXXX and cancelled our XXXX insurance coverage. These refunds were sent back on our closed BP Card. WE HAVE NOT RECEIVED THESE REFUNDS AS OF YET. I have been in contact with XXXX and XXXX several times since then to find out what happened to our refunds. XXXX has maintained from the beginning that they sent the funds on XXXX XXXX, XXXX and have not received them back. Before they can reissue us a refund in check form they need a proof of returned disbursement along with a reference number. XXXX has provided me with documentation proving that the transactions have been sent and confirmed by the bank. XXXX has stated several different things. First that Synchrony would have the funds. A XXXX representative and myself have checked several times with Synchrony and we do not exist in their records. The above stated account was closed prior to the migration so they would not have any information on us. Plus, all that XXXX had was our old account information, nothing for Synchrony ( routing number, etc. ). I have been told by XXXX that they returned the refunds to XXXX but they can not prove it. They know this because this is what always is done to transactions for closed accounts. I have also been told that my account has been purged and that they do not have any records of this account anymore. As of now, XXXX has provided documentation that the refunds have been sent and that they have not been returned to them by XXXX. XXXX has stated that they can not find these refunds and to have XXXX refund us.
My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much. 
XXXX XXXX.
My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.