WillisBack/dataset-financial-user-claim huggingface dataset:
My mother who is  XXXX   XXXX   XXXX  and has  XXXX  and  XXXX   XXXX  has about {$5000.00} remaining of her IRA which is managed by Investors Bank,  XXXX    XXXX   XXXX  .  I hav e Power of  Attorney which was executed several years ago when she was competent. A few months ago, I realized that she has not received any reimbursement for the last 2 years. I originally tried to contact them in  XXXX  and did not get any answers, My mother then became very ill and I forgot about it. I resumed my attempts to get this information in  XXXX   XXXX . After several phone calls, and sending requested documents including a stamp ed Power of A ttorney from the Attorney who drew up the document, I was told they essentially want a new notarize d Power of Attorney. We proactively drew up a Power of   Attorney for a time when my mother would be unable to make decisions for herself. We are at such a time now and I can not understand how a bank can be allowed to withhold information as well as money without consequences. I have sent a letter of complaint to the local and main office of Investors Bank without a response. I also sent a complaint to the Banking  Commissioner  in   XXXX   XXXX   and was told that it is a  Federal iss ue. I would appreciate any help. The account is in the name of  XXXX   XXXX . My name is  XXXX   XXXX . I am her daughter and ha ve Power of  Attorney. My mother has lived with me for the la st 2.5 ye ars. The last address on her  XXXX  statement is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Loans are duplicated on my credit report. Report shows I have XXXX student loans. I have XXXX originating from XX/XX/XXXX through XX/XX/XXXX when I graduated. The loans originated with the Dept of Ed and transferred to XXXX XXXX and then to Navient. XXXX loans reported 3 times. XXXX entry states that the balance is {$75000.00} which is inaccurate. The loans are separate. I am in the process of filing disputes with credit bureau. Also, once the loans transferred to Navient XX/XX/XXXX, I was told my first payment date was XX/XX/XXXX. I filed paperwork for a renewal of my income based repayment plan. My payment was {$80.00} a month. Though I was not scheduled for payment, Navient attempted several times to deduct the full regular payment of {$470.00} from my bank account. When I contacted Navient, I was told it never happened.
Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank, and preemptorily said he would write me off as " refusal to pay '' then hung up. I had no chance to ask any questions, provide or receive any relevant information, etc.
All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and  allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX.
XXXX XXXX, XXXX XXXX, GA XXXX XXXX : Claim Dispute - NAVIENT - Account # XXXX To Whom It May Concern : Please accept this letter as formal dispute regarding falsely submitted " derogatory '' entries on my credit report. 

History - This consolidated student loan was comprised of XXXX student loans taken out by my son, and cosigned by me. They were : XXXX XXXX, XXXX in the amount of {$4000.00} XXXX XXXX, XXXX in the amount of {$2000.00} I made regular and timely payments on the loans for the benefit of my son. The loans were paid in full on XXXX XXXX, XXXX. 

In XXXX XXXX I was notified by Navient that there was a remaining balance of {$750.00} on these loans. I disputed this claim, knowing that the loans were paid in full in XXXX. 

For over three months we argued over this matter. I based my argument on the facts that : 1. I knew we had paid these loans off in XXXX 2. Navient had made national news about their mismanagement of student loans, including false claims of outstanding balances. 
3. Navient correspondence came in the form of apparently photo-copied statements. This indicated to me that these were possibly " scams '' based on national media reports about Navient. 

Once the derogatory entries were made on my credit report I immediately paid the claimed balance, which had grown to {$820.00} during the dispute period. I continue to contend that I did not owe this amount, but I made the payment to end the issue and hopefully avoid derogatory entries on my credit report. Apparently I was unsuccessful in the latter. 

I hereby request that these, and all related derogatory entries on my credit report be removed, and that they be replaced with a statement of correction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Cc : Consumer Financial Protection Bureau Via CFPB Website
My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented XXXX. She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to contact them through mail for settling the debt and got no response. 

This year, GE money, and XXXX XXXX served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still and permanently XXXX documented XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and XXXX XXXX to see how to work this out and start paying again, The court said XXXX XXXX had to drop it or take payments. We then called XXXX XXXX who said they no longer had the debt, but yet they still had the summons that the court said only XXXX XXXX could drop. 

When asked about this recently after XXXX complaints GE says they are no longer GE and are synchony bank who states that XXXX XXXX even have the debt. They are not only trying to get this money from us but so is XXXX XXXX XXXX. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent GE {$25.00} and the summons is still in place. I am XXXX from the same accident and also military related XXXX. Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to GE. It is enclosed.
XXXX XXXX XXXX XXXX has continued to contact me for more than a year regarding a debt that is no longer owed. The debt that XXXX XXXX XXXX XXXX is attempting to collect has expired, as this account went into collections in XX/XX/2009. I have continuously explained to the collectors when they call that I do not owe this debt and to no longer contact me. This is not a debt that reports on my credit report. After requesting the debt collector to no longer contact me for over a year I am left with no other choice than to make a written compliant. I have sent a cease and desist letter.
I have a a unverified account from CHOICE RECOVERY INC # XXXX I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I opened a Sam 's club credit card when a clerk told that me I would " Receive {$45.00} off Instantly '' if I made a {$100.00} purchase the day I opened the account. There were signs all over the store adversiting this offer. When i received my statement the {$45.00} was not deducted. I called XXXX and was told that I was given wrong information. The credit would not appear for 2 or 3 months. I said I wanted to pay the balance, but I would deduct the {$45.00} dollars. I was told I would be charged interest.
A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.
On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.
The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.
Account was originally being reported as being added to chapter XXXX bankruptcy ... Account is now being reported as charged off with several inaccurate late payments ... .would like account to be removed from credit file or report as it was once before included in chapter XXXX bankruptcy ....
A violation of parole was listed on my criminal report for an original case dated back over 8 years ago - the case is not of its own it is tied to the original so reporting it was outside of the California 7 year reporting limit law
I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.
Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback
On XXXX XXXX I entered into a payoff agreement through XXXX XXXX XXXX to pay off my debt to USAA. Part of the agreement was to change the due date to the XXXX. USAA has not done this and is charging me late fees. They are also taking the payments from XXXX and applying them to my past due amount.
Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.
I submitted a fraud dispute on XX/XX/2016. Equifax actually deleted the account from my credit report but Experian failed to conduct a proper investigation and the account still remains on my credit report. It only took Experian two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
Tried for two years to get a mortgage modification from Chase Bank Finally succeede in 2012. But only brought it down to 7 3/4 % Terms were that {$32000.00} would be forgiven each year for three years provided that we paid on time for the entire year. They said that we would be expected to pay taxes on the forgiven amount. No tax forms were ever provided even though I made several requests. Finally this year I declared the XXXX without the form. After XXXX XXXX they told me that the government said that we had to declare all of the {$96000.00} in one year. They said that they will pay to have taxes re done but no interest or penalties. By declareing the money all at once we hit the 30 % tax bracket. It is costing us an additionalo {$15000.00} in taxes. Is there anything that can be done to help us out? We received the modification because our finances were tight after my husband had XXXX and had to quit work.
Hi, I used PayPal to send and receive money. I always say to take the money out of my bank account if I make a purchase so I can keep track of my purchases for film and tv purposes ( I work for XXXX ). However, my friend sent me {$500.00} AFTER these purchases were made and AFTER I had verification that these purchases came out of my bank account, and they used this as the money to pay with even though I had already told them to take it out of my account. Additionally, i tried to give the money back to the people on XX/XX/XXXX and XX/XX/XXXX, and PayPal Charged me twice. Once when they sent it and once when I returned it. So, I was charged {$30.00}. When I reported this, they said I was only charged once, but I can clearly see I was charged twice -- they told me i. i need this fixed in the system before I can withdraw money for tax purposes -- I need the XXXX, XXXX and XXXX charges to come out of my bank account, not the PayPal balance -- which came after I made the purchases over the weekend. I made the purchases prior to this..I was on hold and they told me I needed to talk to a specialist, but when they transferred me that office was closed. Additionally, when XXXX sent me money in XX/XX/XXXX, she also sent it the wrong way, I was charged XXXX and promised by Pay Pal to have this money refunded, though it never happened. The person at PayPal, said this money should not have come out in this manner and they apologize, but he said only a specialist can fix this for XXXX tax records. Can you help look into these issues for me? They owe me {$60.00} in fees that were promised back to me. Additionally, I need the monies to be canceled if they can not fix it.
To Whom It may concern, I XXXX XXXX XXXX, would like to formally complain about my mortgage servicer Flagstar Bank. I submitted my complete application for mortgage assistance about 5 months. I followed up today spoke to XXXX who he claims to be a supervisor immediately stated that the package was denied and never put into a review that is was probably a mistake that he will make a note in the system. I told him that theirs no time I have a sale date set for XX/XX/2018 and that for the last 5 months I've been bounced around given wrong information not just by rep but by managers such as XXXX, XXXX I can name a lot more. He then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain to him that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. My hardship was that I lost my job because they went out of business. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, please help me I do not wish to be thrown out on the street with my family it's very dangerous out there. 
Sincerely, XXXX XXXX XXXX
Midland Credit Management of XXXX XXXX, CA, filed a collection action against me which was subsequently paid in full through my Chapter XXXX bankruptcy. They were notified electronically on XXXX XXXX, 2014, that the bankruptcy was discharged and that they had been paid in full. However, they failed to notify the XXXX XXXX XXXX, XXXX XXXX, VA, within 14 days of receiving notification of payment, that the debt had been paid in full ( Notice of Satisfaction ) as required by the Virginia Code of Civil Procedure, Section XXXX. As such, it remains as an unresolved ( open ) action on the Virginia XXXX XXXX XXXX XXXX and with the credit reporting agencies, and I am unable to obtain a VA-backed home mortgage at this time.
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I  have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit