WillisBack/dataset-financial-user-claim huggingface dataset:
Today I logged into XXXX and downloaded all of my student loan information and found that my loan servicers are claiming I owe {$96000.00}. The max amount that I can owe in student loan debt doesnt exceed {$25000.00} before interest. Also, immediately after I withdrew from college I consolidated my student loan debt and applied for the income based repayment plan. However, I couldnt figure out why ( for years ) my credit reports keep showing that I am in default and several months behind in paying off my student loans. After reviewing my student loan file I found that either the college or the loan lenders have been falsifying my information and showing that I am still enrolled in college. I am showing student loan disbursements up to XXXX. However, as I stated, I withdrew from college in XXXX. Therefore, either the lenders or the college is taking money out in my name and leaving me to foot the bill. This issue is of a very serious nature and needs to be investigated. My credit has been ruined for years and I have been suffering undue hardship for reasons that are unethical and unjustifiable. I am homeless and have no car and I am struggling everyday because my credit has been destroyed. I need assistance regarding how to pursue this issue and what steps I need to take to seek relief from these damages
A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation
My mortgage Acct # XXXX which was sold/transferred to SPS from XXXX was approved for a modification prior to the transfer. 
Throughout this transfer there has been a lot of confusion for me due to the timing of the transfer and the manner in which it was handled. I have been advised that the terms of the XXXX Remodification should have been honored by SPS, Select Portfolio Servicing, and that changing the terms is unethical and illegal. 
The mortgage terms in the documentation from SPS are nothing near what the terms I received from XXXX are. 
Please review the attached document from XXXX with the terms that I agreed to. 
I completed my trial period payments as agreed and I presume that the original terms are binding. I also understand that XXXX did not include the documentation for the remodification until I made it known to SPS and made a request that they be sent over. I will be advised by an attorney as to what my legal rights are in this matter. 
Please advise. Thank you.
Dear CFPB, This complaint is regarding a former and resolved complaint, case # XXXX, regarding Wells Fargo account # XXXX. A brief history of the original complaint is necessary to set forth this complaint : I received private undergraduate student loans through Wells Fargo. After, I consolidated my loans. When the loans were consolidated, I was a nave XXXX year old, and, as most loan contracts or loan consolidation contracts are, this one was gigantic and complicated. Since having gone to law school, I now understand I would have no qualm about arguing the contract is defective for any number of reasons, e.g., adhesion, unconscionable, etc. Upon arriving at law school, I asked that Wells Fargo defer my loans. To this point, I had no idea the consolidation preempted my ability to consolidate in the future. However, I was informed that it had. The payments were over {$280.00} per month. The payments crushed me through school to the point that at the end of every semester I was unable to make this payment, or other payments. At the end of every semester I would call, and ask that the loans be put into forbearance. Every time Wells Fargo responded the loans could not be put into forbearance during school and that I would be charged late fees. 

After nearly three years of XXXX school, and on the day after XXXX of XXXX, I called Wells Fargo to tell them I would not be able to make another payment, and they could call and leave as many messages as they wanted ( that a customer service rep wanted to talk about my account ), but I still would not be able to pay. Again, I asked for forbearance. Then, I drafted my first complaint to CFPB. Within days, Wells Fargo 's " policy had changed, '' and my loan was magically put into forbearance. If the policy did in fact change the day after CFPB notified Wells Fargo of my complaint, then I have no problem. This is doubtful. There are only two options. The first : Wells Fargo did not want to deal with my complaint, paid me {$56.00} for XXXX late fee, and put the loan into forbearance. That is good and well, except in that first scenario Wells Fargo lied in its letter about the forbearance. Second : At some point the Wells Fargo policy did actually change, my loan could have gone into forbearance, and every single time I called they missed it. I believe either scenario is deceptive. Please let me know if your agency can aid in this matter. 

If not, misleading statements that violate state law, XXXX. XXXX XXXX. XXXX, are not preempted by the Comptroller 's jurisdiction. See XXXX XXXX Wells Fargo Bank , NA, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Because I believe either scenario to be misleading, I would be willing to explore filing a state action should your agency not be able to help in the matter for whatever reason.
The salesperson for XXXX XXXX XXXX said their company would buy out my existing security system contract. They did not. I was approached at my home by two salesmen from XXXX XXXX XXXX on Saturday, XX/XX/XXXX. I told them I had a security system ( XXXX ) and my contract was in effect until XXXX, XXXX. The main salesman assured me that XXXX would take care of the switch/buy-out my contract, etc., with XXXX and that I need do nothing. I agreed to switch companies, signed a digital copy ( no paper contract was received ), they installed the equipment, and a few days later, the monthly fee was deducted from my bank account. It wasn't until a couple of weeks later, when the XXXX monthly fee was deducted did I realize there was a problem. I contacted XXXX and they knew nothing of the switch. XXXX also claimed I had made a verbal agreement with them in XX/XX/XXXX to extend my contract. ( I had no recollection of this, but that is another story. ) A XXXX technician came to my home to uninstall the XXXX XXXX equipment, which I still possess, and install new XXXX equipment. After multiple conversations with both companies over several weeks, I forwarded the buy-out statement and new contract with XXXX to XXXX XXXX. XXXX XXXX contended I still owed them money and on XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from a collection agency representing Fluent Home, stating that I owe them {$2600.00}. I called the called the agency and was given the offer to settle for {$1700.00}. I was also told that since XXXX salespeople work on commission, they can tell the customer anything to get them to sign up, and the company has no obligation to stand by the salesperson 's word because it is not in the contract. I did not receive a paper copy until I requested one from the company weeks later. I offered to pay 40 % of the amount they are requesting, mainly because I was too trusting and completely foolish, however, they provided me with only three weeks service, which I paid for. I consider what they are doing to be extortion and they need to be stopped.
I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.
I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in  XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the   XXXX   of the month. It 's up to them to retrieve these payments, this is how they had it set up. However,  four da ys later they continually would charge me a late fee of  XXXX . In   XXXX   XXXX  , they debited the funds on the  XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in  XXXX  I filed chapter  XXXX , and the courts paid what I was behind in, which was about  XXXX . This was during the transition from  Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have   gone rounds with them for the last few years, and to avail. So I am seeking your assistance.   Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in   XXXX   XXXX   they claimed that a payment of  XXXX  was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of   XXXX  , that was corrected to be 2.00 % in   XXXX   XXXX  . However, along the way in   XXXX   XXXX  , it changed to 4.00 % without any notice. Then   XXXX   XXXX   at 4.00 % my fixed payment was  XXXX ,   XXXX   XXXX   is changed to  XXXX  again without any notice.   XXXX   XXXX   still at 4.00 % ( 30 days later ) it changed to  XXXX  ... .and my balance is not going down much.   Looking at my Insurance activity, I 've always had Farmers insurance but  Ocwen  slapped their own company  ( American Security Group ) on  there when it was time to renew. They denied  Farmers  during that time. That started sometime in  XXXX , seems like they were following the dir t Litton was doing.    Please  Advise V/r    XXXX   XXXX
I applied for an auto loan with XXXX XXXX XXXX XXXX -- the response came back as a denial letter saying I have an eviction on my credit file also my credit score is XXXX. I have a credit monitoring service from experian and it shows I have a credit score of XXXX -- this does not include a paid 2 accounts and the XXXX account that is 75 % paid and when I called she said she could not changed what was onmy report. Again Experian needs to be accurate about what they are sending out. If I have an eviction on my report I need to know about it that is the reason for the credit monitoring so I can see what is on my report and who is sending what. I should not have an eviction on my report. I have enclosed a copy of XXXX XXXX response also a copy of my most recent report.
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX/Navient and XXXX XXXX XXXX loans. My Navient loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with Navient that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, Navient did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance XXXX Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at Navient on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
I put {$100.00}. on my card, they took XXXX, left with XXXX, I order something for XXXX, when I checked my card I had XXXX left, Please explain
I'm on XXXX for the past 10 years and have XXXX and XXXX they have been paying for my medical bills and I should not have to pay for this one
On XX/XX/2018, I opened a citibank checking account under the following promotion : " XXXX XX/XX/XXXX XX/XX/2018 Retail Checking XXXX AAdvantage Miles Offer ( Promo Code : XXXX ) '' Under the terms of the promotion, if I completed the following two required activities within 60 days of account opening : 1 ) {$370.00} in debit card purchases, and 2 ) Download the Citi mobile app and log, then I would be rewarded with XXXX miles added to my XXXX XXXX account within 90 days of completion. 


I have proof of activity 1 on page two in the attached bank statement. Activity 2 is proved by the existence of a " mobile check deposit '' which is a check deposit done via the mobile app ; this appears on the same statement. The above two activities posted on XX/XX/2018 which was within the 60-day deadline. 


Citi already has my AAdvantage account number, XXXX, because I have an AA cobranded credit card with them.
I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
XXXX declined transactions cause my card had an old expiration date. so i paid cash for all my transactions. Then capital one paid the merchant after I paid cash to the MERCHANT. i HAVE SPOKEN to 5 people at capital one and no one can explain it. better yet they have never heard of the CFPB. I just want to be made whole. I should have {$180.00} available credit as of XX/XX/18 when I activated my new card Here are all of the names : XXXX, XXXX, XXXX, and XXXX ... .. of course no last names as of XX/XX/XXXX i had an available balance of {$180.00} now on XX/XX/XXXX I am being told my available balance is {$7.00} No one that I spoke with can explain it.. this is fraud. A financial company can't decline a transaction and then fund it weeks later.
This is a debt that was from my late husband. The credit card was in his name only. After he passed away, I closed his account. The credit card company started calling asking me, relentlessly, asking when I would be able to pay. I explained that this was my husband 's card only, he's deceased and I do not have any money to pay for a debt that wasn't from me. They refuse to resolve the issue. Instead they sent a letter in my name saying they were giving me a {$100.00} to my account due to an error on their part. They changed names on the account. How is this action legal?
XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine. 

" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}. 
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter. 
I need to Terminate the Contract and Need my Money Back from XXXX ASAP. 
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line. 
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX. 

Now, I want cancel XXXX contract without an early termination fee ( ETF ).
My credit report is a mixed file and contains information of a family member with the same/similar name. The information that is incorrect includes addresses, employment information and credit accounts.
DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.
We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.
Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!