WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, shortly after leaving XXXX with {$140000.00} in student loans, I entered the XXXX and requested my Federal and eligible loans be placed in deferment. The request was denied without explanation. Instead, the loans were placed in forbearment with interest accruing and CAPITALIZING. XX/XX/XXXX, I entered an XXXX and again applied for deferment. Again, XXXX XXXX rejected my request, even though ALL other XXXX at the same time received a deferment. Even my base commanding officer went through all the proper channels to enforce the deferment as he had never seen a rejection in 18 years of running XXXX and XXXX. These rejections took my student loans from {$140000.00} to more than {$210000.00} in debt, mostly from interest accruing and capitalizing. 

Additionally, my credit score was destroyed, going from a XXXX my entire life to less than XXXX at one point ( XX/XX/XXXX ), causing me to be ineligible for even a basic car loan. It was horrific. 

When it came time to buy an XXXX XX/XX/XXXX, my credit was so bad it almost did n't happen. However, I found a bank willing to loan me money, but at 9 % rather than the average at that time of 6 %. 

I have aggressively paid down loans with {$10000.00} still remaining. 

The damage, though, was prolific. I have paid higher interest rates on car and home loans ( 0.5 - 2 % ) over the last several years, costing me tens of thousands of dollars. More than {$100000.00} in added fees, added interest and destruction of my credit. It has taken me more than 10 years to restore my good credit and my life. 

If ever there was a poster child for malicious denial of deferments by a corporation with power, it is me. If ever there was an example of the horrendous actions and crimes committed against a good man, a XXXX of children and adults, this is it. 

It is my opinion I am due restoration. Thank you for prosecuting this.
A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.
There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.
REFUSE TO PROCESS CHARGEBACK ON BILLING ERROR. {$510.00} CHARGED ON XXXX/XXXX/2016.
I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.
Barclay 's XXXX Credit card offered a 0 % APR, 0 % balance transfer fee program which I took advantage of to pay down credit debt over a 12 month span. I had set my account to pay the balance of {$900.00} a month for 10 months to pay off approximately {$9000.00} of debt that was transferred to the card ( completed XX/XX/XXXX ). 32 days after the transfer ( XX/XX/XXXX ), Barclays took out almost the entire balance ( XXXX ) out of my checking account as the monthly payments were " reset '' to the statement balance. I called Barclay and they stated this happens by default after a transfer. They admit it should have been handled over the phone, however when I called to do the balance transfer originally, they said to do it online. Now I have to declare fraud from Barclays to XXXX and see if they can reverse the payment. Shame on Barclays ; I would avoid them at all costs. This has never been a problem on XXXX or XXXX.
Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
A debt of {$98.00} was paid to the collection agency. Info : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX A debt owed is still showing in my credit report after it was paid and I would like to have that removed please. It is taking more time then expected Conformation number of debt paid : XXXX
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from XXXX, XXXX or Equifax and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
On XX/XX/2017, I sent XXXX XXXX an email about sending Bitcoin Cash ( BCH ) to a Bitcoin address ( BTC ). 

I thought I was sending to a BCH address but it was a BTC address all along. Usually when these things happen, the company has access to the private key of the address. I emailed XXXX and asked if they had access to retrieving my funds and they confirmed that they could, but it would take a " maximum of 90 days. '' I waited 90 days, then 100, then 130, all the while emailing them and asking them the status of my retrieval. They have given me excuse after excuse as to why they haven't found the time ( this retrieval would honestly take 5 minutes using even a mildly competent developer ).

It has now been about 200 days since I've first opened my support ticket. I've sent over 50 emails to them, they've responded to many. But it's now been 30 days since I emailed them asking about my funds and they have since stopped responding completely.

The total value of these funds were at one point XXXX. They have now dropped to about XXXX. I'm fine with that but I just want my funds back. This is ridiculous. 

This situation has brought me to tears because these funds could completely eliminate my student loan debt - I've told them - and they are non-compliant with my request.
After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.
I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.
Last year, when I was facing some severe financial hardship, Discover Card customer service admirably assisted me by reducing my rate to 12.99 %. I did not realize at the time that this was only a temporary measure. Today I opened my Discover Card bill and found that a check I had mailed out on XXXX XXXX was not posted to my account until XXXX XXXX, fully two days after my payment due date, and that my interest rate had shot up to 22.24 percent. In comparison, it took XXXX XXXX XXXX two days to post my check payment to my account with them. Both checks were mailed the same day to the same city : XXXX, North Carolina. I immediately logged into the Discover website to reach out to their customer service department. CSRs XXXX and XXXX gave me some facile, patronizing, dismissive answers about why it took over two weeks for my check payment to clear & why my APR increased so drastically and suddenly. According to XXXX my rate was raised to a usurious 21.99 % because I had missed one payment in XXXX, FOUR FULL CALENDAR YEARS AGO, followed by a further .25 % increase due to the Federal Reserve 's recent rate hike. I have paid early or on time every month, at or above the minimum required payment, my credit rating is the highest it 's been in years, then their company almost doubles my APR and then offers to " reduce '' my rate to slightly above 20 percent, a disgraceful slap in the face of a customer who has been nothing but loyal to their company since XXXX.
Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!
I reached out to both XXXX and Equifax regarding these inquiries that were made with no permissible purposes. Both have refused to even address these matters. There is no permissible purposes for these inquiries listed below and should further more be deleted from my file. 
I have repeatedly requested requested, per the fair credit reporting act, that these be deleted. 

Equifax : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX - Fraud inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 8th
Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX  conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business
I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.
I continue to seek an equitable solution from my lender, XXXX XXXX to resume making mortgage payments. The California Homeowner 's Bill of Rights states that a homeowner has a right to know who their lender is, and to be able to make contact with them. The recorded message at XXXX XXXX XXXX states, " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all decisions concerning the terms of you loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have not done so already. If you are in contact with your servicer, please continue to seek guidance from them .... '' The servicer of the loan, Shellpoint Mortgage Servicing, continues to say that XXXX XXXX makes all the decisions. In Shellpoint 's literature under the title of " Need Mortgage Help, '' it states " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. Forbearance, 4. Loan Modification, among other options. A recent  conversation with them revealed that they do not offer any of those except for a modification or short sale. The modification available reduces the mortgage by a few hundred dollars. Given this, I retained the services of XXXX XXXX, an attorney at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX, XXXX, Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The XXXX has never responded to XXXX XXXX or to me. Shellpoint did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modifications thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. ''
I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.
I closed my Coinbase account a few weeks ago and asked to have a check cut and mailed to my residential address, which they have on file. That did not happen so I opened a second support case, asking again, please cut a check and mail to my address. Not only did I not get a response to either customer support case, the second case was apparently erased from their records. The amount of money involved is relatively small. However, I had also asked them to delete all information about me in their DB as they appear to be a very amateurish operation. - scary for a " financial institution ''.
On XX/XX/XXXX i went to Chase Bank,XXXX XXXX XXXX, XXXX , CA.XXXX ( XXXX ) XXXX, to open a checking account. After the employee " XXXX XXXX '' processed my personal info told me that she couldn't open the account, because there was a notice of a previous checking account ( which i closed with XXXX  balance ), but she never told me what was reason. After several calls and wasting 2 hours of my time she opened the checking account. After i received the welcoming letter and the Debit card i received a call from " XXXX XXXX '' to go back to the Bank with my personal mail in order to prove that my address is correct. On XX/XX/XXXX i went back with mail to prove my address.After she called two departments of Chase, she told me that Chase blocked/deleted my checking account without explanation even though i insisted to tell me the reason. Throughout my time with " XXXX XXXX '' her Supervisor was monitoring everything which was Unprofessional. The phone # she gave me is ( XXXX ) XXXX ( Operating Loss Prevention ) which i called on XX/XX/XXXX and spoked to employee XXXX ( female ) who was Rude and Racist for pretending that she don't understand me because of my accent ; i called this # ( XXXX ) XXXX on XX/XX/XXXX which is a phone center in XXXX, they were unprofessional and couldn't explain the note of my previous account. I feel that i am a victim from a Fraudulent and Racist/Discriminatory Company, because i asked to open a checking account.  Plus they willn't return my initial deposit i made to open the account. Chase Bank was Bailed out with taxpayer money ( like many other Companies ) on XX/XX/XXXX for Defrauding consumers and other Companies around the World, but after XX/XX/XXXX continue the same tactics. American Government should be proud for doing that, but never bailed out any consumer from those Fraudulent Financial Companies/XXXX for being Defrauded for so many years.
Ocwen scheduled Foreclosure Sale without providing a Recent Loss Mitigation Package. There are discrepancies is the Amount Owed on my Mortgage. Ocwen would not provide proof of Servicing Rights.  No Proof of Transfer. No Proof of Amount Transferred. XXXX XXXX was used and there are discrepancies. Ocwen has Robo Signed our documents. I have been given another 30 year loan when i.didnt ask for One. OCWEN has not addressed these Issues. I am in XXXX XXXX and XXXX XXXX. This has caused me additional XXXX  and hardship.
I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.
I recently returned a lease to Lexus, which was financed through Lexus Financial Services. As part of the negotiation to return the lease and enter into a new lease, Lexus agreed to settle the remaining balance on my account. The account had a balance of {$1800.00}. Lexus applied a waiver for that amount to my account, which I can see is posted on XXXX/XXXX/2016 when reviewing the online account history. However, I recently received a notice from Lexus Financial Services indicating that I owed a balance of {$1800.00}. The notice was dated XXXX/XXXX/2016 and indicated that I needed to pay that balance in full on XXXX/XXXX/2016. I contacted Lexus Financial Services on XXXX/XXXX/2016 and was informed that my account had been placed with the XXXX. I spoke with a representative ( XXXX, ID # XXXX ) and he informed me that he did not see the transaction in that amount in the notes he was reviewing on the account ( which is separate from the accounting system ), and that my account still has a balance of {$1800.00}. He informed me that the waiver was not a payment on the account, and rather that the balance was moved to a closed XXXX number account. None of this had ever been explained to me when returning the lease, and when talking with the dealer they informed me that the balance would be settled in full. No one had ever explained that I would have a " closed account '' established for this balance and that the balance would be due immediately. I am concerned that this was a deceptive act on behalf of the dealer and Lexus Financial Services, and that they led me to believe that I had closed my account in full when in fact the balance was moved to a separate account without my knowledge.
A wire transfer was issued from XXXX XXXX XXXX XXXX to TD Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at TD Bank was {$12000.00}. A difference of XXXX. TD Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX.
I first contacted convergent back on XX/XX/XXXX via certified letter which they have received, I asked them to verify and validate this XXXX phone bill, they say I dont which I do not! I have never had service with XXXX ever. I then asked in the middle of XX/XX/XXXXafter not receiving any correspondence from them for them to provide me with the contract that was allegedly signed when the service was started, still no response, I then sent a third letter in the beginning of XX/XX/XXXX, still no response ... .I have called several times and keep getting hung up on, I advised them that I have never had service with XXXX and for them to send me all the paperwork! I have not received a response back!