WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at XXXX XXXX  EST, a check was deposited at an ATM from an accredited CREDIT UNION addressed to myself ( which was in an amount less than {$5000.00} which is the amount stated in Bank of America 's handbook stating that a " hold '' may occur ), and NO notification was made that the check would be placed on HOLD giving me option to have the check returned to cash at a different institution where funds would be readily available! The HOLD was placed until XX/XX/2018!! I need this money immediately. The " REASON : A hold was placed on your check ( s ) because check specific information indicates item may be returned ''!!! Then to finish the transaction the ATM would not give me my ATM/debit card. After holding for almost 3 hours and being disconnected 3 times I was connected with a customer service representative who was helpful in expediting the overnighting of a new ATM / Debit card at no cost to me which should be here tomorrow ( the XXXX ) - SO approximately 2 days without any access to my funds. TO ME THIS IS THEFT BY TAKING. I returned to the bank and asked for the check back and they refused to give it to me because they don't know where it is. I can cancel the check but I will have to pay for the cancellation fee and the bounced check fee at BANK OF AMERICA AS WELL???!!!! If someone pays for a flight to California and then I say OK, I will provide your flight on the XXXX while I inspect your check from Bank of America, that would not be ok and they would demand their money back but if I lost it would that not be ILLEGAL???
The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.
The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. 
The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. 
This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. 
This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. 
I request that the Bank of Oklahoma make me whole on the worthless bonds. 
The bank has known that the facility was closed a few years ago, but concealed the detail from investors.
I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.
Loans were handled through a loan forgiveness program and payments were being made to XXXX XXXX to finance the program. XXXX XXXX stopped using my debit card and switched to a check after over a year of payment. ( Debit card would simply reject  payment if funds were not available and they would re-run in a few days if this occurred. Checks cost {$30.00} at my bank and {$45.00} through them for every time one did not clear. ) this was set up on auto draft and sometimes would miss my pay date by 2 or 3 days. After I discovered this I relized they not only tried once but an average of 3 times before anybody ever contacted me about issues dates started to fluctuate and I was being charged up to XXXX by my bank and XXXX by the company for my {$45.00} payment that did not even apply to my student loans!! 

I finally told them I could not pay them anymore and tried to change my student loan provider only to be told I was not able to until the old one approved the change. I tried with XXXX XXXX several times to no avail. 

Now with in the last couple of month ( 2 ) I started receiving a weird phone call asking for me to verify my date of birth and last 4 of my social along with my address. I asked who was calling and all they would tell me was it was a personal business matter. Would not disclose any more than XXXX XXXX. I have never heard of this company before and did not feel comfortable giving that information with out more information from the company. They refused. Then begin calling my cell phone 3 to 4 times per day and calling my work at least 2 to 3 times per week ( Even after I informed them I Was not allowed to receive personal phone calls at work. 

I was told they would send something in the mail regarding what the call was about and nothing came until Monday ( XX/XX/XXXX ). a notice of garnishment of wages. stating that I would be able to dispute the notice. When I returned to work after lunch where I do Payroll.. There was an order to garnish my own wages from this company. 

When I XXXX in XX/XX/XXXX my loan totals were somewhere around 20,000. 3 years ago when I entered into an agreement to help with my loans they were around 45,000. today the notice on my desk at work says I own more than 67,000 I have tried making payments, I tried loan forgiveness program. Now Starting XX/XX/XXXX I will have to choose between feeding my kids or paying my electric bill because this company wants to take 15 % of my income. I barely make enough to keep food on the table as it is! My XXXX XXXX from a local University where literally everybody gets accepted is not worth XXXX It has not benefited me enough to deal with all of this!
I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.
My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.
Hello, I have reached out to experian several times about XXXX XXXX XXXX. this account has disputed SEVERAL TIMES and each time, XXXX XXXX mail a letter saying dispute the item. Which I keep doing. Never have they sent verification so I have no clue how they keep veryfying with the credit bureau. please have experian delete this account asap. i have kept the letters along with the envelopes they have sent. XXXX and XXXX has already deleted these items and I need XXXX to do the same. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from XXXX  and experian. For a bankruptcy. That should have been removed. It has been removed from my XXXX credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
I am showing General Revenue Corp on my Credit report   XXXX    and   XXXX   for a balance of {$310.00}. I do not have a signed contract with General Revenue and do not owe a debt/balance to General Revenue. I am not aware of any signed contract with General Revenue.
I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.
From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.
I am in receipt of Select Portfolio Servicing ( SPS ) response dated XX/XX/18, which was not received by me until XX/XX/18. SPS continues to be in violation of 12 CFR Part 1024 ( Regulation X ). They have not sufficiently responded to my error notification and qualified written request for information, which is dated XX/XX/2018 and XX/XX/2018. In fact, they refused to answer many numerous questions and address my concerns. See attached documentation. SPS continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
I recently submitted a complaint with the CFPB about my federal student loans form navient. I asked for 40 % reduction on my student loans because my school was closed down due to false advertising and other laws that were broken for the For profit school XXXX XXXX. I submitted the response from the CFPB to navient along with the school loan application and was denied because I did graduate the school. Although I did graduate it still does not take away the XXXX payment that navient is asking me to pay monthly or the other loans that I had to take out while attending this school. it was over XXXX XXXX given back for the students that were affected and I was one of the many students effected by the XXXX scam and I feel I am entitled to my 40 % reduction.
Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX is charging me the wrong amount. I have showed my deposit was XXXX and showed them my pet deposit was XXXX I sent them money order recipes XXXX. I also informed them I was not liable for bed bugs. It dose not show on my lease I am responsible. The lease dose not show a leasing agency signature. The XXXX apartments have been threw so may new owners that have been in so much dept. I have never been late on rent. That is why they are trying to get more money from me.
I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed mine.
My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.
This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.
This company continues to call my house for a XXXX XXXX or some similar name. My name is XXXX XXXX and my wife and XXXX kids live here. None of them are name XXXX XXXX or anything close. more importantly none of us - have any debt that is unpaid, overdue or late. 

I advised them two weeks ago to stop calling - as they have a wrong number - but they continue to call me
Fay Servicing has taken over my loan from   XXXX   XXXX  . The payments to them have been set up on auto-pay since day one. Almost every month I get Late Notices from the bank and harassing phone calls from them saying my payment is past due or has not been made.
I have never missed a payment on this account. Each time I call they say it has been fixed, but it happens each month. I am concerned about the harassment and the possibility that my credit may be affected by their incorrect data, and the constant late notices.
I opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.
I have a closed auto loan with this company called credit acceptance that was opened in XX/XX/XXXX, however I contacted the credit bureau once I noticed several inaccuracy reporting as far as 30 90 and 60 day lates, these are all inaccurate, Ive asked experian to correct this information or force credit acceptance to report proper information, however what Im noticing is experian every time I disputed they just say verified, IVE ASKED FOR THE METHOD OF VERIFICATION, biggest issue is they are supposed to go beyond the creditor make sure the information furnished to them a indeed 100 % accurate, however they just back these false verification no rhyme or reason given just tell me the company says its accurate, its also the job of the bureau to make sure the creditor is not bullying me which is clearly the case here the account is closed so they dont care about updating their records or even spending any time researching it ... well they should delete the account if they cant verify and stop sending false reply that you ecxperian did not even research
This complaint is regarding CMRE Financial Services : Collections Acct. # XXXX for the amount of {$270.00} and Acct. # XXXX for the amount of {$370.00}. And any other collection they have placed on my credit report. 
The collection agency fraudulently put the above collections on to my credit report. I have disputed the charges. [ See exhibit XXXX ] My dispute ... Their response ; sent to me from CMRE. They have been unable to send me any bill from the institution that they say they represent. I have always maintained medical insurance. My insurance has always paid over the amount that the service was worth. If these charges are for medical services, they are 1. Fraudulent, 2. For services I did not receive, 3. Services that I did not agree to or want but I was charged anyway. There is so much fraud in the Insurance /Medical/Collection agency field ... It does so much damage to people, and their credit. 
The fraudulent billing practices of the medical institutions, and the people who work at these institutions along with the collection agencies they hire, give them the ability to extort money from the public by having all your private information which facilitates the creation of bills that go to their collection agencies like CMRE which then ruin your credit. The fraudulent actions of CMRE, are keeping me and a lot of other people from refinancing. 
See Exhibit B, Mortgage Company wants to pay CMRE, before I can refinance to a lower rate. The Mortgage Company explains it by repeating ; 'it 's the XXXX Selling guide '' that is to blame and they have to follow those guidelines. They are insisting that these accounts be paid. This demand is based on hearsay information for charges that CMRE put on my credit report. They are fraudulent, further it represents insurance fraud by the person who created this collection account, who has partnered with CMRE to get extra money from people for a service that has already been paid for by insurance or for services not rendered. These charges have not been adjudicated by going through the court, to produce a lean. 
It is unbelievable that this Company CMRE can nickel and dime Americans, they have such easy access to our Credit reports and can hold us hostage with no proof of a debt. CMRE can keep the American people from refinancing, or just do this type of damage on a fraudulent whim. It is exactly like racketeering. I want these collections removed from my credit report and the Mortgage Company notified that this issue has been resolved.
For over three years Equifax has refused to give me my credit report. XXXX and XXXX have given me my credit report. XXXX asked me the following : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? My answer XXXX What is your total scheduled monthly payment for the above-referenced mortgage? 
{$1100.00} - {$1200.00}. As of XXXX XXXX, 2016, my payment is XXXX, down from XXXX, my answer, the current payment of XXXX. Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? My answer : XXXX XXXX XXXX. Your credit file indicates you may have had a student loan, closed on or around XXXX XXXX Who was the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE. My answer NONE OF THE ABOVE All of my answers are CORRECT, XXXX has erroneous information on me and is using this to hold my FREE report. My student loans were with XXXX Bank. It is 8 years later, these accounts are closed, never latter.
I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.
FCI is the loan servicer XXXX XXXX is the borrower The loan is a HELOC The loan was interest only from XX/XX/XXXX-XX/XX/XXXX In XX/XX/XXXX the loan was to be adjust to a fully amortized P & I schedule using a rate of 3.25 % plus 50 basis points or 3.75 % The unpaid principal balance at that date was {$37000.00} The borrower was in her XXXX when the loan was supposed to be adjusted from interest only to P & I in XXXX. 

The loan servicer never adjusted the loan in XXXX to P & I in XXXX and continued to bill the loan as an interest only product and continued to raise the interest rate on XXXX XXXX when it was supposed to be capped in XX/XX/XXXX. 

When it was discovered that the loan was not being billed according to the promissory note, FCI decided to start the P & I calculation in XXXX using the current interest rate of 5 %. 

We do not understand how a lender can make several errors in providing loan processing services, 1 ) not giving proper notice in XXXX and adjusting the loan according to the loan agreement 2 ) and then adjusting the loan in XXXX when the interest have risen and using the higher rate in their favor. 

Does this mean if they didn't discover the error for another five years and the interest rate is now 8 %, that they could arbitrarily use 8 % and gain a significant financial advantage due to their own mismanagement of the account? 

We find this to be an abuse of their fiduciary responsibility to the borrower and elder abuse.
I've been dealing with navient for several years now. When I've called to get any kind of help with my loan payments to either try and lower when they were close to 500.00 per month to just making a simple payment they stick to script and will not budge. They always incite by laws in the agreement that gives them complete control over the loans and leaves me with few options.

Based on the current lawsuits against Navient I can not help but feel me and many others have been taken advantage of. Just one of the five loans I have began at XXXX and I am at XXXX after several years of paying.