WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.
I mailed several cease all contact letters to this Credit Collection Agency, but they have failed to honor my request to not be further harassed by telephone or via letter.
my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it
Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd
This is the XXXX time I have to submit a complaint with the Consumer Financial Protection Bureau. Ocwen is once again stating that I am late on my mortgage payments even though my payments are submitted automatically bi-weekly by my financial institution. Based on information derived from my financial institution I am XXXX a payment ahead on my payments. Ocwen is the most incompetent company that I have ever encountered concerning customer service.
I have retained new copies of my credit reports, and noticed that SAFCO did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX-XXXX about SAFCO. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Equifax exposed my personal data. 
Equifax offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that Equifax should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and XXXX should not collect a windfall profit from the mistakes of Equifax due to the reaction of responsible citizens trying to protect their credit.
In XXXX Midland Funding Filed a lawsuit against in XXXX. As of XXXX XXXX I no longer lived in the state and reside in XXXX. I learned of the lawsuit when my wages started getting garnished. Since I am XXXX I immediately contacted Midland whom would not stop the garnishment unless I paid more than half of the balance and continue to pay the rest of the balance in 26 monthly installments. The account is now paid but the damage to my credit file remains showing I have a paid collection and a judgement. I was never allowed the opportunity to dispute this debt, which I do not believe was mine. I have written several letters to Midland and they refuse to discuss this issue of the illegal suit or the removal of the negative information.
I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.
They keep calling both my phone and my wife 's phone for a business debt. They use " restricted '' number. They call an average of 12 times  per day. 

her name is XXXX XXXX Benjamin Chaisse and Associates XXXX XXXX, ext XXXX
On XX/XX/2018 I test drove a truck. I asked the salesman how much it will cost he said fill this information out. I said I dont want a hard credit check and he said we only do soft checks in the beginning. Here it turns out he lied to me and did a hard check!
On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. 
As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.
Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.
I filed a spousal visa for my husband and immigration request that I submit proof of financial support to my husband while he is in XXXX. Since 2008 I 've been sending my husband money via Western Union and over 10 times I have called and made a request for this information to be sent to me via email and mailed. I have completed requested forms of consent and sent along with copy of drivers license. To date, I have not received this time sensitive information immigration has requested with DEADLINE despite speaking to multiple representatives and supervisors. On several occasions I have been promised a call back and promised receipt of information by supervisors and the result of that has been filing this grievance and complaint. Moreover, it is not helpful that 90 % of the phone representative are from the XXXX and accent is inexplicable. My level of dissatisfaction and anger is so great that I plan on posting this complaint on every social media that is on the market and the ones to hit the market. I have been a loyal customer since 2008 and have been shown or given zero appreciation, not to mention respect.
Hyundai Motor Finance was charging late fees and other hidden fees and deducting these amounts from my monthly payments. I was not made aware of these late fees and other hidden charges that is not on the contract that I signed when I brought the car from Hyundai dealership. On XX/XX/XXXX, Hyundai Motor Finance repossession of my vehicle when my loan was not in default. To date, Hyundai Motor Finance took my monthly payments and took the vehicle. 

On XX/XX/XXXX, I was on a confernece call with Hyundai Motor Finance Manager name XXXX and my bank XXXX bank. XXXX confirmed my monthly payments that were sent and accepted by Hyundai Motor Finance. Hyundai Motor finance is stating I never paid them from XXXX XXXX until XXXX XXXX. They took and held my payments just to charge me late fees and other hidden fees. My loan is current and my next payment is not due until XXXX, XXXX. Hyundai Motor Finance is telling me in order to get my car back I must pay the XXXX bill on XXXX XXXX. Hyundai Motor Finance should not have the right to charge late fees and other hidden fees then lie and state that the monthly bill requirement is not being met. 

Also, Hyundai Motor Finance never sent me a notice stating the reason of the late fee and other fees they placed on my account. This company have verify unjust and unfair business practices that allow them to collect money they are not entitled to. 

Hyundai Motor Finance took my car and my money and now I am missing work for three days now.
Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.
I sent correspondence to the company on XX/XX/XXXX to revoke ACH transactions and cease communication including any friends, relatives, employers, references, and so forth. Basically ceasing communication period. However I did allow email contact for the purposes of confirmation and setting up a payment plan as I am struggling to pay currently. I received a call on XX/XX/XXXX that they had called one of my references to get my contact information which they already have despite notification of ceasing communication.
Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. 
Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in it.
To Whom it may Concern, My husband and I have two little children age XXXX and XXXX years old in private school, where we leave the school is score XXXX out XXXX. We both decided to return to school in XXXX, and a friend of us referred us to XXXX XXXX in XXXX XXXX New York. It was an interesting moment for us, because we want to achieve our goal. When we went there the staff from the registrar office help us apply for financial Aid and Private loan and pay the interest while in School, which we did not have a clue about other choices, the person who was helping us choose the payment plan just choose it without proper explanation. We end up with Sallie Mae, while in school we both are receiving the statement from Sallie Mae stated how much we will have pay every month, which we did start paying and we still owed.My total is {$11.00}, XXXX, my husband owed {$15000.00}, which both of us are paying for Sallie Mae and we sent {$200.00} or {$100.00} every three months, for XXXX only we pay for both of us {$470.00}. XXXX XXXX is withdrawing {$280.00} from my credit card every month for my XXXX in XXXX. Sallie Mae keeps calling every day and anytime during the day or night. I, personally finally answer Sallae Mae, just to have a deal and I explain my situation to the rep, she said she is going to help me and she told that I have to pay {$400.00} every month for myself and my husband she did not give the amount yet. I told the rep that I will not be able to afford this amount, because I am still doing the same job and I am not working on my major, and my hourly is the same little money, she told me to wait and someone else will help me with my monthly bill that I will pay. I waited for 45 minutes and no one come over the phone to help me. Like I told the rep before she put me on hold, if she can not find me a deal, I will pay what ever I can effort according to my budget. I have being paying this loan since XXXX and the loan never decrease, and instead of decreasing we see that the amount it getting 3 times the money that we borrowed. Sallie Mae is driving us insane by calling us at the home phone any time of the day or night and on the cells phone, also the reference of people that we gave when we were filling for the loan, five to ten time a day even on the weekend, and the rep keep harassing us and so on. We are tired of these non sense from Sallie Mae. If we did not make any payment, we will understand these harassment. we do not know where we going to find all this kind of these money to pay total of XXXX every month because of pass due. We are struggling to pay everything, but we still manage to make the effort and pay our bills. What we are thinking right now, is that going to school is a burden, because not only we can not find a job on the major that we earned and secondly we have to go through to all of this things, which is a shame. We still have the dream for a master program, the question is how we are going to afford to pay for this dream?
I have been enrolled back at XXXX XXXX University in the fall of XX/XX/XXXX. Recently, i have been harassed by Discover Student Loans for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Discover is now reporting to the credit bureaus that I am late. At this point, Discover needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.
XXXX XXXX XXXX XXXX Wells Fargo Complaint For the second time in XXXX years I 've had to file a complaint against this company. In XX/XX/XXXX I contacted them about a HARP. But, it took until XX/XX/XXXX to respond. After I filed a complaint. 
Recently, I had to defend my home from Foreclosure sale after I found out XXXX day before the sale date from a complete stranger who came to my door. I never received official notice from Wells Fargo of a date of sake vid so, I could have cone up with a plan in advance. 
I spoke with several representatives who could not explain why I did not get official notice. Nor could they explain why I did not receive a XXXX payout back On XX/XX/XXXX as I requested over the phone with a XXXX. 
When the payout was received it was post marked XX/XX/XXXX with the letter dated XXXX XXXX. The problem is that the letter only gave me until XX/XX/XXXX to pay off the loan, less than 30 days from XX/XX/XXXX and less than XXXX weeks after I received the letter if Payout. 
I previously requested information back in XX/XX/XXXX, but never received it until after talking with the XXXX in XXXX who could n't find my emails That I sent on their XXXX. As with the HARP request, they acted if they could n't find the emails. The XXXX even asked me to send him the emails. 
Finally, I was in schlock to find out from a stranger the day before that my home was to be sold the next day ( XX/XX/XXXX ). I never received a Notice of sale date. Not XXXX if the customer service reps could even tell me why not. A XXXX XXXX even told me they 're not required to sendbmevnotice, and that the XXXX of Texas had that responsibility. 
The company has been notified that I 'm am XXXX and have filed for XXXX
On   XX/XX/XXXX   I told  XXXX  at Gentry Finance to stop calling me and to only communicate with me through mail and she told me that wont happen she will still call me. I have the recorded phone call. Every day s he (   XXXX   ) and   XXXX  still continue to call me after written and verbal to stop calling me. I have asked for a statement showing me where my money is going because I do not get a receipt so I have no proof they are applying it to my bill. They refuse to provide it to me and told me they do not have to. ( I also have proof of this on a voicemail. They have repeatedly left voice mails for me to refinance my loan and goes into detail about it on my voicemail. I should not be past due but they are saying that I am and that is why they will call me. They keep calling my family, friends and other family members that I do not even talk to much and was not listed as a reference or a contact on my loan agreement. They know my address and my phone number since I have talked to them on it and they have left voicemails so they should not be contacting my references. They told me they are going to take me to court unless I pay them the amount they are requesting. I am not going to pay this amount, I want a statement as of the validity of this debt amount. I want them to stop calling me as I have asked and my family members, there is no reason to continue with the humiliation from them being constantly called. Now they have a company calling me telling me they are taking legal action against me that I need to pay the debt. The voicemail says that I need to contact them before they take any legal acti on against me ( on my voicemail )  from  XXXX . When I try to contact this number back, my phone company will not let the call go through because it says that it is not a working number. There is no reason they need to call me every day. They leave me voicemails daily and my account is not even past due. They call me daily and it is always the same  two  people,  XXXX  or  XXXX . I have told them both that I do not want them to call me and I only want communication through mail and  XXXX  told me they will continue to call me. I do have the proof because all calls to them are recorded. I have read up on the laws and I have the right to request a statement of validity of the amount and I also have the right to request they do not call me, and I am choosing to invoke that right but they will not follow it. I am not trying to dispute the debt just the amount. I want to know that every penny that I am paying is going on the debt and not in some ones pockets since I only pay with money orders. I have had a    XXXX   XXXX    and they still continue to call me and they have my nerves shot. I am a nervous wreck. They have disclosed information to my family which is making me really struggle going around my family due to embarrassment. I have a hard time sleeping because of the way they harass me then talk to me when I do talk to them. I really need some  one h elp to make them stop. This is not fair, I am not behind! I can provide this proof in the voicemails and in the calls. I can pull the records and the recordings.