WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.
I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.
On XX/XX/XXXX I sent a dispute letter to TransUnion regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX I received a letter back from TransUnion stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.
XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.
The issue is with GM Financial. 

The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1.  Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread. 
Total : over {$850.00}. 

I figured I had 3 weeks to clear these up. So. 
1. Emblem was just covered in plasti dip, so I removed it. 
2. The charger was at home, the inspection was done at work. 
3. The spare key was at home, the inspection was done at work. 
4. Got the tire replaced with a used that had more tread. 

I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago. 

The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back. 

This is clearly a rip off. I even washed the car before giving it back.
They are trying to collect a debt that was paid in full to the original creditor ( XXXX )
I notified XXXX XXXX XXXX that I was leaving for a XXXX XXXXXXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with TransUnion, the missed payments remain on my credit report.
Equifax incorrectly listed my paid off XXXX XXXX XXXX loan as an account that was closed. This caused my credit score to decrease. Also, XXXX went bankrupt but my account is noted as " closed by creditor '' which caused my score to drop
Back in 2015, we cancelled our XXXX cable service and sent the XXXX back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with Experian, who said they verified the debt with XXXX XXXX XXXX. The debt is fake. XXXX shouldn't never have recorded it as a debt.
My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX XXXX XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX XXXX, Four accounts with XXXX XXXX XXXX, Three accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with XXXX XXXX XXXX and then One with XXXX XXXX.
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
JCPenney master card credit card has been the stress of me first they have fought with me over saying they were not recieving my payments & this was 5-8or more times its screwed up my payment history, got lots of certified mail, calls at all hours it has been a nightmare. Ive never disliked a credit card some much & they have not even worked with me only fought with me & treating me like I was lying & got threats they I would be sued more than once. This has truly stressed me out & made it hard to sleep, charges were made on this card that werent even from me & they kept not helping so I didnt know what I could do but I just wan na fix this mess once in for all. My phone number is XXXX
End of XX/XX/2018, my mortgage with XXXX was bought by Ditech. 

XXXX sent a wire transfer on XX/XX/2018 - this Bulk Payment was check # XXXX in the amount of {$94000.00} of which {$1700.00} was to be applied to my Ditech Mortage account. Ditech did cash the {$94000.00} but didn't apply the funds to my mortgage account. 

On XXXX I established with Ditech a 'missing payment and verbal dispute '. I was told by Ditech to call in 7 days. 

On XXXX I called and Ditech said they didn't get the {$1700.00}. 

On XXXX I called and the representative at Ditech said I need to send in by US Mail the proof of the wire transfer.
They cashed a check and did not inform me of the possibilty of a hold. 
Two days later there is hold on the check. They send me an email two days later. 
In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. 
That causes a negative balance and overdraft fees.
For the past 2 years I 've been in the worst nightmare of my life with Wells Fargo mortgage. My home caught fire 3 years ago and my insurance company XXXX released a check for {$71000.00} that Wells Fargo has been holding in my restricted escrow. The balance of my loan is {$72000.00}. I have been begging and working with the executive office of Wells Fargo for nearly 2 years to try to get them at 1st use the funds to payoff my mortgage and I was told no got an entire year then they said they could do it, but I would have to give them {$18000.00} out my pocket that I do n't have. They offered me a modification twice and every time I called in to start making trial payments I was told the system offered me a modification by mistake! now I 'm asking them to let me use the funds to rebuild my home and offer me another streamline modification. They keep assigning my case to XXXX and her manager XXXX and they continue to give me wrong information and work against me! I just do n't want to lose my homebut they are determined to keep the money in my escrow and foreclose on my home. Please help!!!
On XX/XX/2018 I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX SC. When my plane landed I had to wait almost 2 hours to get my car and by the time I received my car I had missed the event that I flew in for. With this being said when I returned from my trip and spoke to XXXX XXXX they stated that my credit card was only going to be charged XXXX total. XXXX XXXX even emailed me the new invoiced amount. When I received my credit card statement there was a charge on it for XXXX I called XXXX XXXX and they stated that they only charged me XXXX and if there was more then that the credit card company was at fault. I called the credit card company and opened a dispute. XXXX in the dispute department called and said that she received the information from XXXX XXXX and the charge would be removed from my credit card. I have email upon email from the car rental place stating that my total charge was only XXXX and nothing more. Well low and behold 2 1/2 months later the credit card company put this back on my credit card. I have been dealing with them and it is not getting resolved. I have talked to XXXX time and time and they stated that they only charged the XXXX and the bank is at fault. With this being put back on on statement now I am over my limit, and XXXX in charges that do not belong to me along with the interest charges. I do not know what else to do at this point. I have supplied them all the emails and documents from XXXX showing the bank is in the wrong. Please help me out with this.These charges do not belong on my credit card and this is actually effecting my credit score by showing that I am over the limit.
Credit monitoring reported having an increase in student loan by {$1300.00}. Causing my credit score to drop. When contacted the company to find out why my loan balance was up by over {$1000.00}. No explanation given. I owed {$7000.00} and now owe over {$8000.00}. When checked the details of loan. No increase shown in my loans or higher percentage but yet my loan is more. Ive never missed a payment and have paid every month for over 9yrs. No reason why I would have extra amount on my loan.
XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!
As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.
XXXX XXXX, who is now Navient, harmed my student loan when I did a repayment status. They steered me towards several forebearances throughout the life of my loan. They also gave false information
I previously submitted a complaint on XXXX/XXXX/16 using CFPB and received a response on XXXX/XXXX/16 stating what I 've copied and pasted below from their original response ... However After pulling my report the following items are still showing that they claim they deleted : Inquiry for XXXX Card on XXXX/XXXX/16 Inquiry for XXXX XXXX/XXXX/16 There 's also XXXX other XXXX inquiries that I was n't able to dispute due to the dispute form not allowing me to add more entries. 

XXXX * " TransUnion said : Explanation of closure In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. '' * " Relief We received your complaint about the fraudulent items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been deleted. '' * " Response We have reviewed your complaint along with the information you previously provided regarding this issue. However, after reviewing the activity on your file, along with the information in our data base, we have deleted disputed items. ''
I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.
I refinanced my home XX/XX/XXXX and was told by my mortgage company, Nationstar mortgage who has since changed names to Mr. Cooper, that the mortgage insurance, which was XXXX / month, would be removed since criteria had been met. Fast forward to XX/XX/XXXX and realized I have been paying mortgage insurance all along. I contacted Nationstar on XX/XX/XXXX and XX/XX/XXXX, specifically the PMI (private mortgage insurance) department, and spoke with XXXX and he stated he was going to send everything to the AVP (not sure what this department is) team to look over this issue and then he would call me back by XX/XX/XXXX. I never received a call back. On XX/XX/XXXX, I contacted the PMI department again, but this time spoke with XXXX and she said she would have her manager contact me by the end of the day to discuss my issue. I never received a call back. On XX/XX/XXXX, I mailed a letter and copies of all of my refinancing papers that clearly show that the mortgage insurance was not included and sent this by certified mail. Early XX/XX/XXXX, I received a letter from Nationstar, dated XX/XX/XXXX, stating that they are aware of the problem and acknowledged that the mortgage insurance was not a requirement and should have been removed. The mortgage insurance was finally removed by XX/XX/XXXX. Nationstar stated in the letter that they are working with the "prior lender" to collect the refunds to send to me. This was the last correspondence on their part. Nationstar was my mortgage company when I refinanced in XX/XX/XXXX so I'm a little confused by who they are meaning by "prior lender". The letter is signed by XXXX XXXX, Customer Relations Specialist, with a phone number of XXXX and email XXXX. I have called and left voicemails to her phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I emailed her on XX/XX/XXXX. I have never received a call or email back. I called on XX/XX/XXXX and spoke with XXXX in the PMI department and he stated he would send an email to the other side of the PMI department for review and he told me it would take up to 24-48 hours. I still have not received any correspondence from this company. I am due, to my calculations and not including interest, XXXXXXXX. I would like this resolved sooner than later and I appreciate any help you can offer.
On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence supporting my claim. XXXX had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.
XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.