WillisBack/dataset-financial-user-claim huggingface dataset:
I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.
Equifax reported a hack. I went to their provided website and it says that my personal information is impacted by the breach. I will also be calling them to get an initial fraud freeze placed on my account.
ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTI or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I opened a HELOC with PNC on XX/XX/XXXX and proceeded to make payments towards the loan per our agreement. I logged into my account on XX/XX/XXXX and saw that there were multiple line items in my account that I did not recognize. Some were {$0.00} transactionss and some were labeled " misapplication reversal ''. The PNC escalation told me that i should've been notified of an issue ( which I wasn't ) and that I shouldn't worry that it would all be cleared up by XX/XX/XXXX. He stated that there were many issues with their systems and they were just going to backdate my payments ( which I can not believe he said they were doing ). At this point nothing has been correct, my payments are not applied correctly, and I have no idea what the status of my loan is. It's saying that I have a payment due on XX/XX/XXXX even though I have already made my payment for that month. The rep today ( XX/XX/XXXX ) that this issue has been ongoing for SIX MONTHS and that it should be fixed soon. I have no faith in them fixing this issue and have no faith in them correcting my account to a normal status.
I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?
Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.
The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under Dodd Frank XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
I am attempting to connect an external bank account ( checking ) to my Capital One 360 account but it gives me the error message " Capital one is blocking you from enabling external applications ''. It also will not allow me to add the bank into my capital one 360 account through capital one. 

Also, I am attempting to transfer money from my Capital One 360 account into my XXXX account but I get an error message that says " To comply with government regulations, this transaction has been declined. '' I get an error message through XXXX, however, it is just showing that the money was blocked by Capital one and XXXX stated that they did not have any error message or errors on their end because the transfer request was blocked by the bank. I have contacted capital one multiple times with no resolution or no attempt to look into the matter. The instruction was to contact XXXX each time and that they didn't have an error message on their end, which I did to no avail. Because I did get the 'failed ' error from XXXX and now that I found that Capital one is blocking access to their account, I believe it is on the bank 's end that the transaction was blocked. Also, I am able to transfer money without problems from my XXXX account into my Capital One account.
Received a letter from  XXXX   XXXX . Upon speaking to a representative i regards to this matter, I was asked for my  XXXX   Pin Code.  I refused to divulge that information, as I did not contact  XXXX  directly, and due to security concerns. I received a statement from  XXXX   XXXX , and the statement only state one-time charges. There is no detailed information, in regards to the one-time charges. Also, I am perplexed as to how I ca receive a letter from a collection agency, as well as a billing statement from  XXXX  sixty calendar days later. Also, upon initial contact with this collection agency, I informed them this account was declared as disputed. Upon further contact by the same collection agency, I declared all contact with me was to hereby cease and desist immediately. I have not been informed as to the one-time charges, in question.
I financed my student loans through Key Bank. There was a short time when I was without a job and/or not making enough to make the outrageously high payments that Key was requiring. I spoke with someone and deferred the loans, though at a later date, I was informed that my loans had been sent over to collections in that time and that my loan payments I was making were no longer considered " valid payments. '' This has led to Key Bank ruining my credit, stating that I am delinquent in my payments. I have had automatic payments set up for the last three years in order to prevent this from being the case, however the institution is requiring that I pay the full balance off, otherwise they will continue to mark me as delinquent/past due and ding my credit. I am unable to move forward with anything in my life that would require a loan ( home, vehicle, graduate classes ) because of this. I have spoke with Key Bank and they are in no way willing to work with me, even as I continue to make my monthly payments. 

I have continually tried to work with Key Bank in order to get everything sorted out. At one point, I was informed that Key Bank no longer managed student loans and that I would need to contact XXXX of XXXX different companies to try and track down where my loans were sold off to. No information given other than the name of the XXXX companies. I spent countless hours contacting the multiple companies, trying to track down my loans with no success. I went back to Key Bank and they transferred me around, only to learn that they still maintained ownership of the loans. 

I am baffled at how they can be allowed to get away with something like this.
I have tried on several occasions to get Navient to validate XXXX loans. I have asked for proof that these loans in fact belong to me. I have written time sensitive letters, sent them certified mail and Navient has, on several occasions, refused to send me the requested information. In addition, I have requested that while they investigate my claim, that they stop reporting to the credit bureaus. However they have continued reporting despite my request. Many of my requests have been met with simple letters stating that the " consumer disagrees '' and they have updated my credit report saying the same. They have violated my rights on several occasions as well. They have made attempts to charge off these loans but my credit report still shows these loans as being open despite this status change. Also, the collections agencies, XXXX XXXX, made contact with me stating that they now had ownership of the loans in question. To which I sent a certified letter in XXXX asking for the same validation I requested from Navient. Unfortunately, I did not receive a response until XXXX, directly violating my 30 day request. Also, once they did respond, they did not send all of the requested information for all loans in question. I have tried so many different routes to explain to the credit agencies that Navient is in direct violation of my FCRA rights, however nothing has been done. I am trying to buy a house and these loans are negatively impacting my credit, and have been for a while.
On XX/XX/2018, I answered my company 's phone and was immediately talked to in a ugly manner. I stated that my AP manager was at the post office and my CEO was in a closed door meeting. He stated " woman get out of your chair and go open the door ''. He then proceeded to threaten to sue me personally and have papers served on me. I asked for his information ( name, number and the spelling of his company name ). He refused to give this information to me. I let him know that I would be able to help him without this information. I hang up the phone and he immediately called back. My AP Manager just walked back in to the office and was able to answer the phone. He told my AP that he was planning on suing me again. 

TekCollect XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
On XX/XX/2018, my mother wrote me a check from XXXX XXXX for {$10000.00}. I made a mobile deposit on XX/XX/2018 to my checking account at Bank of America, and the payment from XXXX XXXX to Bank of America was completed on XX/XX/2018. I should have properly disposed of the check and ripped it up, but I left it in my desk because I was unaware that it should be discarded after 14 days. 

On May 1-7, 2018, my roommates and I were moving out of my apartment and many prospective tenants and movers were in and out of the apartment, and somewhere during that time the check was stolen out of my desk. 

On XX/XX/2018 at XXXX PM, I received an email that my debit account was overdrawn and that {$10000.00} was reversed out of my debit account. I received a letter that stated " On XX/XX/2018, you deposited check serial number XXXX into your account using a mobile device. The same check had either already been deposited or deposited again after the date. To correct the duplicate deposit, we're debiting your account for {$10000.00}. '' I filed a police report on XX/XX/2018 and I opened a research claim at Bank of America on XX/XX/2018. Bank of America representative on XX/XX/2018 around XXXX PM called and said that another Bank of America customer deposited the check into an ATM machine on XX/XX/2018. Because they deposited a physical copy, they honor that first and took the money out of my account. However, then they realized that the check was fraudulent and decided not to transfer funds to the thief, but are also REFUSING to give me back the money. Bank of America is just holding the money themselves. They said that XXXX XXXX XXXX open a check fraud claim before they return money to my mother. 

However, XXXX XXXX VP Operations Manager sent me the email on XX/XX/2018 as follows : " When our Deposit Operation reviewed your case, we couldnt find either double posted transaction or non-posted transaction of the check. Please ask BoA to show the evidence that the check had been posted twice on your moms account. We really want to cooperate you to solve the problem, but we need your cooperation, too. '' Given that XXXX XXXX does NOT see a double posted transaction, they are unable to open a check fraud claim. Bank of America also is refusing to send an image of the physical copy that was altered to XXXX XXXX, so XXXX XXXX further does not have evidence of any double transaction. 

Bottom line is that Bank of America honored the first transaction from my mother to me, and then when the physical copy was deposited, DESPITE determining that the physical copy was fraudulent/altered, they refuse to return the money to me. They want a check file claim from XXXX XXXX. However, they have NOT posted the transaction twice to XXXX XXXX, so XXXX XXXX is XXXX to open a check fraud claim. I don't want to lose {$10000.00} to Bank of America for no reason, and it is my ENTIRE life savings. 

I am a poor graduating XXXX XXXX  with over {$90000.00} in loans already, and the {$10000.00} my mom wrote me was supposed to help me with my living expenses for the next three months until I start residency, and currently my account is overdrawn and at XXXX dollars. 

Please help.
Barclays bank Delaware made an inquiry on my credit report with out my permission. When contacted they said there was no record of me and that the inquiry should not have taken place. They would not assist me in getting the inquiry off my credit report.
I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone
I contacted PayPal to inquire as to why a transfer of funds was " Pending '' and not sent. I was informed by " XXXX '' that the funds were in fact sent but were currently " at the Federal Reserves so they can confirm the money and the bank account are [ mine ] through the Federal Reserves clearing process. '' I asked to speak with a manager and proceeded to hold 10 minutes. Once the manager, " XXXX, '' got on the line she stated PayPal no longer had the funds and that there is a 3-5 day clearing process by the Federal Reserves. I stated the Federal Reserve does not " hold '' funds as it is an automated clearinghouse function. XXXX stated PayPal does not hold any funds. Before disconnecting I confirmed what I learned from my inquiry was PayPal sent the funds to the Federal Reserve and the Federal Reserve currently had my funds to confirm they were actually mine and my bank account was actually mine. XXXX confirmed this was accurate. I stated I would be contacting the Federal Reserve. 

Following the call I contacted the Federal Reserve and was told " PayPal continually tells customers money is being held by the Fed. '' I also learned there is a max of 2 days to hold funds. I inquired about who governs PayPal and was told the CFPB. Once I disconnected from the call I logged back into my PayPal account and the transaction was magically marked " Completed '' and no longer " Pending. '' Can you please explain how UDA ( A ) P would not apply to this situation? Is this not an example of a misleading act ( or even practice given the statement made by the individual with the Federal Reserve related to PayPal continuing to tell customers the Fed is holding their money )?
I have owed student loans since XXXX. The total originally was around 50k. Over the years I have been offered forbearance for my loans that resulted in a much higher balance. Originally I was with Sallie Mae and then was transferred to Navient. I feel that Navient failed to help me with options that were available to me and would have helped me throughout the years. In XX/XX/XXXX-XX/XX/XXXX I was having a horrible financial time and Navient could have offered me the IBR plan but did not help me with this option or properly help me seek this option. In XX/XX/XXXX I  applied and I was actually denied the plan even though I qualified. I feel that Navient made it difficult to be set up on the IBR but very easy to be placed in a forbearance. I was so unhappy with Navient and at some point I was contacted by a third party that offered me the IBR plan and explained it to me. This third party said i needed to transfer to XXXX  XXXX XXXX in order to be able to take advantage of the IBR plan because Navient did not allow it. As a result I have been on the IBR plan with XXXX XXXX for a few years now. My payments are affordable and I have not seen an increase in my principle as I did for so so many years. Due to the Navient and Sallie Mae multiple forbearance and high interest I currently owe XXXX and had I been on the IBR plan when it was first implemented back in XX/XX/XXXX I would not owe so much interest and so many more years of payments. 

Also, Navient was evaluating my situation and said I did not have to worry about the late payment and they ended up hitting my credit with a 90 day late. This is still on my credit. 

If I could please join the lawsuit I feel I am a good candidate. Thank you!
Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.
Please help us : We have a Home Mortgage with Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Texas XXXX. XXXX # XXXX. Since XXXX XXXX XXXX sold our loan to this company, we have never received the regular coupon for payment and every single month I have to go to our bank and make the payment On Time via a Wire Transfer ( {$35.00} ). I have spoken with a representative that told me that the issue was going to be resolved but now is already 4 months having to submit the monthly pay using a wire transfer. Plus, they keep sending us threatening letters saying that the account was not paid. Please, let them know to send the communication of Payment Received every month and to send the current payment coupon for normal payment. Trying to make payment online within their website is impossible because there is no option to do so. 
We thank you very much, XXXX XXXX and wife XXXX XXXX. Property address is XXXX XXXX XXXX, XXXX - MA XXXX and our correspondence address is XXXX XXXX XXXX, XXXX XXXX - Florida XXXX. Appreciate your effort into this.
Portfolio Recovery is report wrong information on my credit reports. 
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. 

Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017.