WillisBack/dataset-financial-user-claim huggingface dataset:
I recently lost my job, which paid pretty well, and had to get a minimum wage job. I contacted Navient to try and do an income based repayment plan ; the first woman I talked to said they did n't want to do that because I 'm a " risk. '' The second person I talked to said I, along with my cosigner, had to submit copies of all the bills we have to see if we even qualify for income based repayment. I have another loan with XXXX, and it was n't even nearly this hard to have them work with me. Whenever I contact Navient, I am always transferred to two or three people and it 's not unusual to be put on hold for half an hour or more. It 's very frustrating, especially when I am needing help lower my student loan payment.
Equifaxreports the unauthorized access occurred from mid-XXXX through XXXX. Equifax officials discovered the hack on XXXX XXXX. They failed to notify me at all ( 1 month 10 days as of now ). This is well over 30 days. 

I put in my information to see if I was affected and received the following message from their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in TrustedID Premier "
I created a medical bill late XX/XX/XXXX at XXXX. I paid them directly on XX/XX/XXXX. I began receiving harassing phone calls and letters from Trinity Hope Associates in XX/XX/XXXX to which I responded that it was already paid to the physician, but they refused to believe me. The Physician sent them records to prove this. Then things were silent, but now in XX/XX/XXXX I started receiving calls and letters again. I called them back and yet again they were quite rude and demanding payment. It took me a while to connect the details of this ( as they said it was from 3 years ago ). But I told them I am sure it was paid. They refused to give me the proper name and contact information of the physician group. Representative XXXX said " look it up online yourself ''. She also said I was reported to the credit agencies and I should " look that up yourself ''. She also threatened to send me to another collection group and report me again. The letter states I would hear from an attorney. Without the proper information this took quite some time, as my personal documents from XX/XX/XXXX have been destroyed. Nonetheless I did get to the right medical practice and they again assured me that this bill had been paid directly to them in XX/XX/XXXX. They assured me that they already told the collection agency that the first go-around of this, but they would send them the information again. They also said they would inform the credit agency to undo my negative credit reporting. I called back to the collection agency to let them know and they insinuated I was lying, demanded again for payment, and she was quite rude again. I informed them I was going to report them.
On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!
Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.
On XX/XX/XXXX2017 I, XXXX XXXX XXXX opened a CAPITAL ONE, Essential checking account. This account was opened while in XXXX XXXX, NY. 
* I have several individuals who owe money top me in the form of rent or borrowed money. The bank froze my account and i do not have the ability to or direct access to my funds. 

I spoke to their investigator and they said they suspected FRAUD and that the money orders were suspicious. 
All the money orders have been verified and the release of my funds has not occurred. 

Because i set up automatic draft with XXXX of my Vendors, I could only do a draft to the company which is slower that actually pulling the m, only from my debit card or getting a cashiers ' check. 

To Date the account was over {$5000.00} in deposits and that is a FELONY according to the IRS in regards to them MONEY LAUNDERING and WITHHOLDING my funds. 

I told the operator i would file a complaint, which I am doing now and if not resolved within 10 business days. I am Under DURESS!
I am complaining about inaccurate information reporting on XXXX and Equifax.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the equifax and XXXX reports updated within the last two weeks are completely incongruous with each other.XXXX HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.XXXX shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.EQUIFAX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.equifax shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX XXXX, XXXX and XXXX has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.
My credit report with equifax and XXXX reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.
I made purchases and wired money totaling {$10000.00} to XXXX XXXX whom I met online and had been communicating with since XX/XX/XXXX. He said that he would reimburse me by making an online payment to my American Express credit card and I agreed. 

XXXX XXXX made an online payment of {$21000.00} to my American Express account on XX/XX/XXXX. I asked him why the payment was more than what he owed to me. He stated that he needed me to make purchases for him since he was working in a remote area of XXXX and had been mugged. He needed to sell the items, gift cards and XXXX, to raise money to pay his bills in XXXX return to the US. He said that he only had online access to his banking accounts but had no way of retrieving the funds at his location since he lost his IDs and credit cards during the mugging. 

I called American Express customer service on XX/XX/XXXX prior to making any purchases on my account. I specifically asked if the {$21000.00} deposit had cleared and if the funds were available. I was told that the deposit had cleared and the funds were available because the deposit was made online. I began to make the purchases that XXXX XXXX requested of me, only because the information that I was given. I believed that the deposit into my account had cleared. 

XXXX XXXX made a second deposit of {$13000.00} on XX/XX/XXXX and a third deposit of {$7500.00} on XX/XX/XXXX. The amount of deposits made into my account totaled {$42000.00}. 

XXXX XXXX XXXX, an employee of American Express called me on XX/XX/XXXX inquiring about the deposits and purchases recently made on my account. I explained the full situation to her. She suggested that I was a victim of a scam. I gave her all the information that I had including names, phone numbers and addresses of the people that I shipped the merchandise to. I stressed that I called customer service to verify that the deposit had cleared prior to my making the first purchase. XXXX XXXX XXXX informed me that I would be responsible for making payments to cover all the charges on my account. I spoke with XXXX XXXX XXXX one or two times following the initial call. 

I called Consumer Financial Protection Bureau on XX/XX/XXXX to explain what had happened and was given the contact information for the Federal Trade Commission and the web address consumerfinance.gov. I was given an Inquiry Reference Number XXXX for my call. 

I called the American Express Fraud Department on XX/XX/XXXX and spoke with XXXX XXXX XXXX. She said that this wasnt a matter of fraud because I had made the purchases on the account. I explained that I did not agree that I should be held responsible for the charges since I called American Express first to verify the deposit. I asked her how I could escalate this with American Express. All that I was given was the web address to file a complaint with the Internet Crime Complaint Center within the FBI, www.ic3.gov. 

I am asking American Express to wave the charges made to my account following my conversation with customer service on XX/XX/XXXX where I was told that the deposit had cleared and the funds were available.
I sent several letters with exact information and mailed certified mail so I know they were received by transunion. After I sent the dispute including incorrect information I received one response with an automated " verified ''. I have sent XXXX additional requests for reinvestigation ( certified mail ) and have received no more information or responses. I believe my rights are being violated and completely ignored. This is a source of great distress. Transunion needs to delete XXXX XXXX XXXX XXXX XXXX XXXX I disputed the incorrect items and waited the regulated time 3 times over and then some. Transunion needs to delete these items permanently right away.
Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two.
My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?
I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.
nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.
We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX
On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : XXXX.
The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.
For three months about XX/XX/XXXX, I put my Private student loan on forbearance with Discover Student Loans. I previously paid on time until a financial hardship. Discover representatives agreed to place me on this forbearance for a 3 month time. 

Over the course of three months, my mother and I received multiple calls from collection services demanding payment and threatening delinquency. Each time, I contacted Discover they assured me my information was there on my record, and to disregard because sometimes the collection department gets delayed information. 

Before my forbearance ended, my mother and I received emails regarding final notice before reporting to my credit agency -- -- over two months after being approved for forbearance. I called, and was told for the first time that my forbearance was not approved. I told them they were mistaken, and they took the time to read over my account and all included notes. They found I WAS approved but their representatives accidentally sent approval/paperwork/what ever was needed to be processed to the wrong place and that they were under the impression I was over 60 days past my payment. The representative I spoke to in XX/XX/XXXX insisted that they were goin to take care of this, and that if anything were to happen ( my credit being compromised ) to call so discover can fix it. 

Discover ended up reporting to my credit. My mother and I send dispute letters as recommended by their forbearance department. My mothers credit was taken care of, mine still has not. I sent out correspondence and STILL have not heard back. We contacted discover via telephone XX/XX/XXXX. My credit report has still yet been fixed.
I received a Fifth Third Bank promotion to open a checking or savings account with the following rules to qualify on the offer I received for the checking account : 1. To  receive the {$250.00} promotion, customer must open a new 5/3 checking account, reach a balance of {$250.00} within 45 days of the account opening and maintain the balance for 45 days from the date of the balance required is reached. 

When I took my son in this morning to open his first checking account ( XX/XX/XXXX ) the personal banker told me that I also have to sustain a {$1500.00} balance between checking and savings. Nowhere on the promotional card I have does it say this. When I pointed that out to the banker and said this is a lure to get people in the door, she said yes it is! 

I still have the promotion card with the offer code XXXX
The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX County. The Judge who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX   XXXX  from XXXX and maintained until XXXX as well as a XXXX XXXX license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX. Prior to that XXXX XXXX XXXX was a student  with a work study job at XXXX  XXXX University.
On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer.
I received a hard inquiry from Chase Bank on XX/XX/2018 and I didnt request anything from them so this must be incorrect.
I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. 

However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. 

At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. 

I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.
In XX/XX/XXXX, I suffered some serious medical complications that almost killed me. Recovery was slow and in the end, I was unable to return to my job. I faxed Navient in the spring of XX/XX/XXXX to let them know of my situation and asked for a deferment. I also sent a request electronically through their website, but I never received a response. My student loan went onto default and was sold to a debt collector, who jacked up the interest rate and tacked on a collection fee. My federal tax refund was taken to pay back my loan, which had increased from {$1000.00} to {$1600.00}.