WillisBack/dataset-financial-user-claim huggingface dataset:
I attended University of XXXX XXXX in XXXX WA, and graduated in XXXX 2013 with a XXXX. In order to attend this private school, I took out private student loans with my main bank Wells Fargo, today costing in the range of {$150000.00} of debt. Upon graduation I was able to pay a very small monthly portion with my parents help, but the payments soon proved difficult to manage, and I was unemployed. With the help of my parents, who are my cosigners, I asked Wells Fargo for payment assistance, either forbearance, postponement, or smaller monthly payments so I that I would be able to handle the payments, especially when I did get full time employment. The response I got in the beginning was " We will get back to you. '' Now, their calls are frequent and harassing, asking for payments. When I tell them, repeatedly, that I can not make the payment and would like to discuss options, I am told " there is nothing we can do '' and then they ask for the payment again. At one point, I began to receive calls at my place of work, from the work phone, a number I never provided to Wells Fargo. I asked where they got the work number and they did not disclose a source, at which point I told them to erase the number and that I did not want to receive calls on the work phone as it is reserved for business call only. Last spring, my mother was finally able to speak to a representative in their Student Loan Payment Assistance team and I was sent a packet to fill out. This was the first time I had heard of the Payment Assistance Team, after over a year of asking for assistance over the phone. I filled out the paperwork, sent in my paystubs and paperwork by mail, and heard from my parents that they too sent in their information. I never received a response, and continued to receive phone calls and letters requiring payments. After a few weeks, I received a letter stating that they never received all of the paperwork and my assistance request was denied. My mother resent the materials by fax, and received the same response. Since then, we have sent in the paperwork a total of 6 more times, with the fax receipts to prove it, and zero response from Wells Fargo. I am beginning to doubt the validity of the Payment Assistance Team, and have no faith in Wells Fargo to offer help or assistance. When I have explained over the phone to Wells Fargo employees the fact that my monthly payment is not enough to cover this Student Loan payment, as well as rent, my Federal Student Loan payments, utilities, and personal necessities ( i.e. food, clothing, toiletries ), I am met with no offer of help or options that I can choose from. When I mention I am working with the Payment Assistance Team, the debt collectors often do not know what I mean and can not transfer me between departments. Overall, the lack of help and assistance is frustrating, as well as the lack of constructive communication between Wells Fargo and myself.
I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WASXX/XX/XXXX, CAR WAS REPOSSESSED INXX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY TRANSUNION CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY XXXX XXXX XXXX AS PER A REP FROM TRANSUNION AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ONXX/XX/XXXX, TRANSUNION NOW HAS IT TO BE REMOVED IN XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time, but this time, the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house, she said because I had run out of time and since the foreclosure was in 9 days, {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me.
I got divorce on XXXX, I am in the military and Chase had denied numerous times for me to sell the house. I being thru the Short Sale process since XX/XX/XXXX and chase has denied the sell every single time. In one occasion their explanation was that they will not work my realtor ( after being working with her for 1 yr ). Today, XXXX XXXX they stated that it was deny because missing paperwork. I had provided everything that they had asked for.
I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.
Yes, I have disputed this issue to the credit reporting companies and also written to the collection agency that placed the information on my credit report. Three times I have written to the collection agency with no response. The collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX and the negative collection is reflected on my Experian and XXXX credit reports. And based on what little information I 'm able to gather from the XXXX reports it has something to do with XXXX. The fact is I have never purchased XXXX service. I would like this matter resolved or information regarding this service so that I may resolve it myself. I have been a victim of identity theft and this may be another account that I have to get cleared. 
Sincerely, XXXX XXXX
I have had two loans with XXXX XXXX now Navient in a matter of a 3 years my loan has gone from XXXX to XXXX. In a matter of two weeks my loan went from XXXX to XXXX I do not feel that it is a fair amount of fees nor do I even understand. 

I have tried time and time again to change my payment plan with continuous bouncing back while fees adding up by the thousands in a matter of weeks. 

I have a strong feeling that something is not right and unfair in this situation but my lack of knowledge prevents me from pinpointing what exactly it is.
I've receiving calls and mail from a debt from XX/XX/2013 from a company that I don't know. Asking for bank account to collect amount or partial payment over the phone. stating that my information was sold to them and they are entitled to collect money from me.
The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and Medical Data Systems INC. perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
I settled this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law
I suddenly began receiving notices addressed to a variation of my name from a " Covington Credit '' demanding that I contact them to avoid repossession. I have never heard of Covington Credit - know nothing about them. I believe it began about a year ago - I returned the first few notices - marked " Not at this Address - Return to Sender. '' They continued to send demanding notices - so I sent a note to them telling them that I had never heard of them, that I would file a complaint if they did n't stop harassing me with threats of repossession. A few months went by - then I received the latest - a demanding Settlement Opportunity to " get me started on the road to better credit. ''
I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.
Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.
I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.
This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.
XX/XX/17 fifth third bank dispute XXXX not my account or correct social security number
Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through Navy Federal Credit Union and one through XXXX. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).
XXXX XXXX XXXX is lowering my credit score by raising my credit utilization. I have never missed a payment. Paid XXXX dollars and then they lowered the available credit amount. credit limit before was XXXX or XXXX now its XXXX. I was wanting to improve my credit utilization to buy a home. I also made payments on my other credit accounts that was going to improve my credit score. I called and they hung up the phone. account is XXXX XXXX
I am currently put of work and need the lender to stop drafting my checking account from my XXXX XXXX account in texas
I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.
My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify.
I checked my credit report on  XXXX   XXXX ,    2017 & saw  a new account from  Diversified Consultants  was added. I was not sent anything in the mail stating that this would be added to my report. I did not have a chance to dispute this debt. This has caused my FICO score to decrease.
NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.
ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX
When Costco terminated their relationship with XXXX XXXX, I advised Costco that I did not want another XXXX card with Citibank. Costco personnel advised me not to activate the card when I received it. I did not activate the credit card that Citibank sent to me. I subsequently received a bill from Citibank for the {$55.00} annual membership fee that was billed to the account that I never activated. I have called Citibank twice. They have informed me that the account is closed, however, I needed to have Costco back out the {$55.00} membership fee. When I went into Costco, they said they could not back out the fee without the credit card, which I shredded when I received it. I am still receiving voice mail messages from Citibank about my " account '' which they have twice informed me was closed, even though I never opened the account. I am disturbed that a vendor was able to charge an item to an account that I never activated, and am now getting the run around from both Costco and Citibank. Citibank just wants me to pay the {$55.00}. I do not want to pay on an account I never opened.
I mistakenly underpaid my XXXX credit card balance to Bank of American by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge " as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was " more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded.
Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.
I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.
Bank of America charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.