WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for.
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
this company Internal check XXXX XXXX out of NEW york is calling saying they are process servers from my county, and are going to have the sheriff come and arrest me if I do n't pay immediately. Also, they claim to be a government ran business and attorneys and investigators. Just using any scare tactic that they can to con you into paying. they do n't verify any personal information, refuse to verify debt or give their physical address. the spoke to my family and my boss and disclosed that they are going to arrest me if I do n't pay a bill today ... I looked online and they are doing this to everyone. someone has to stop this immediately. I did some research and the company is registered toXXXX XXXX XXXX XXXX, NY XXXXthey use the mailing address:XXXX XXXX XXXX XXXX XXXX, NY XXXXthis address is a XXXX store that they have a XXXX XXXX atthey have numerous numbers that they use, but I believe the main number is XXXX.
I signed up for a XXXXXXXXday trial of Experian 's credit tracker product. When I created an account, it asked for my mother 's maiden name. After I registered, it now displays the maiden name on my account page. I am concerned this is not secure because both my XXXX and XXXX accounts were hacked. If someone hacks into my account, they will get my mother 's maiden name. I raised this with Experian and they said they would pass the feedback along, but said there is nothing they can do about it.
I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
On XX/XX/XXXX I applied for 2 credit cards and was approved. The cards were received but the accounts were restricted. Upon contacting CSR, I was advised that my identity needed to be verified at which time I faxed then and uploaded a copy of my PA DL, new DL registration card, and verified new address.
I was then later told that there was a system glitch regarding a promo code and it affected thousands of people. I then inquire with the rep that regardless of the promo code, is the application not based on creditworthiness since my credit was pulled and reviewed, I was met with an agreeing response. Ultimately the accounts were closed and reported to the CBs.
I then called in requested that my application get reconsidered because of the " approved '' application, it was not allowing me to reapply online. The rep I spoke with advised me to wait about 3 weeks to get a decision. Then on or aboutXX/XX/XXXX and was advised that on XX/XX/XXXX, the decision was that I already had an approved account within 6 months -- the very same reason that was used if I were to apply on my own.
This frustrated me and left me discouraged but upon some online research it was mentioned that I should contact the CEO and I did. I emailed him and any other email I could find for some type of reconsideration.
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized the inquiry.
Experian is reporting incorrect information on my credit report. I tried disputing this information online but the system would not allow me to do so. 1st issue is capital accounts acct # XXXX they did not allow me the mandatory 30 days to dispute this item. Along with not giving me the proper time frame which is breaking the FDCPA. They also are reporting the wrong balance. My 2nd complaint is experian re-inserted my mandee 's charge account/commenity bank into the potentially negative part of my credit report. I submitted a letter from commenity bank/mandee 's that this account was never paid late. Experian moved it to the correct part of my report last month ( accounts that are satisfactory ). Then this month they re-inserted it into accounts that are potentially negative. I have disputed this and finally had it corrected and now they put it back into negative again. My main complaint is teacher 's federal credit union is listing as discharged through chapter XXXX bankruptcy. I NEVER did bankruptcy so this information is completely untrue and incorrect. This is listed twice on my credit report. I have contacted experian numerous times in disputing this information and it just keeps updating. Having this incorrect information reporting on my experian credit report is affecting my credit score in a negative way and making it very difficult for me in obtaining substantial credit.
I submitted a dispute to Barclays Bank Delaware due to a fraudulent account being opened by a prior employee which gained access to all business and personal financial information. Included was a report I filed with Identitytheft.gov, Credit reporting companies that currently had the information on file and a dispute letter written explaining the details of the identity theft. On XX/XX/2018 XXXX responded in a letter stating " We believe the information is accurate '' and are reporting the account as " charged-off-sold with a {$0.00} current balance. I would guess the information would be correct beings I was a victim of identity theft. Please help resolve this issue. This is illegal, not fair and is currently affecting my financial stability.
Transunion is reporting false information regarding my payment status with XXXX XXXX XXXX XXXX.I have never been late on any payment with XXXX. This false report is hendering my ability to move forward with my financial health. I have filed disputes with Transunion regarding the removal of this false information. Transunion had removed these negative items but recently began re-reporting them. Please help?
I have repeatedly requested and/or demanded that TransUnion XXXX remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX  : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX  have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :
I recently purchased a prepaid XXXX XXXX XXXX XXXX ( US BANK NATIONAL ASSOCIATION ) ( XXXX ) ( XXXX ) at XXXX XXXX Grocery store in XXXX, Utah an loaded {$50.00} onto card and was told no hidden cost or charges just the cost for the card. When I tried to buy an XXXX ticket over the Phone XXXX told me that the zip code that I had used XXXX for XXXX did not match the card so an incident was filed and the Vender, not XXXX but the company selling these XXXX Debit cards, XXXX charges me a 15 percent incident charge equaling {$7.00} off my {$50.00} debit card so that I could no longer purchase that {$50.00} XXXX Ticket. I had to use the remainder of the card to purchase another prepaid debit card but this time from another company and this time instead of buying ticket over the phone I purchased the ticket on XXXX 's website. This hidden cost was on a tiny piece of paper hidden and glued inside part of the paper folder the debit card came in. A card may say XXXX or XXXX Charge but is not actually put out by XXXX or XXXX charge and that is Fraud! Like buying a said to be XXXX product security program that actually is not from XXXX.
i have disputed the XXXX XXXX credit card acct for the last 6month. i XX/XX/XXXX they reported all of XX/XX/XXXX-XX/XX/XXXX. they have not reported on my acct since XX/XX/XXXX. XX/XX/XXXX i had a credit limit on both accts and on XX/XX/XXXX. i did not have a credit limit on either acct.they also change acct number changed pass due amount.
I received a Bonus Offer from Wells Fargo for a {$300.00} Bonus for opening a new business checking account and fulfilling the obligations spelled out in the offer details. The account was opened on XX/XX/XXXX with the attached Bonus Offer code. I fulfilled all of the offer detailed obligations within the first 60 day period of the account and was suppose to receive the {$300.00} credit, within 30 days after completing the 1st 60 day requirements. According to the terms and conditions, I should have received the {$300.00} credit on or before XX/XX/XXXX. 
I contacted the Personal Banker at the local Wells Fargo branch were I opened the account on XX/XX/XXXX to inquire why I have yet to receive the {$300.00} Bonus in my account. I was given a commitment that the {$300.00} Bonus would be credited to my account within 5 business days. That did not happen. I followed up with a phone call on XX/XX/XXXX as I had not received the {$300.00} credit and was told that the offer code was not entered in when she originally opened my account so I would have to proceed with another 60 day period of complying with the original terms to qualify again for the Bonus Offer. 
I then escalated this situation to the branch supervisor since I had fulfilled all of my requirements to receive the bonus. 
After numerous voice mail messages and emails sent to the local branch, I finally received a call back on XX/XX/XXXX informing me that my situation is going through a review and would take up to 14 business days for a response. 
Seems to me Wells Fargo is unwilling to fulfill the obligations outlined in the {$300.00} Bonus Offer and hopes that customers either forget & /or get tired out from unprofessional process of trying to receive the promised offer.
On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.
EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.
I have attempted to get an inaccurate bankruptcy removed from my credit report numerous times. I have filed multiple disputes and have requested multiple times method of verification in regards to them verifying bankruptcy. I have attached letter from bankruptcy court showing that they do not have a bankruptcy listed under my information nor do they provide information to credit reporting agencies. I have submitted a copy of email from XXXX advising that they do not verify information to third party agencies. I have finally attached report from XXXX XXXX advising that they have deleted the inaccurately listed bankruptcy on my report as they were not able to verify. This then begs the question of whether the credit reporting agency is actually investigating my many disputes. They have deleted information as well as numerous other inaccurate information that was appearing in my file that belong to another individual. Once again I request a method of verification of how the credit reporting agency is verifying this inaccurate information. I do not believe the generic response of " third party agency '' is appropriate as I have reached out to third party agency and the court house itself. I want inaccurate bankruptcy   removed from my credit report as soon as possible.
On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!
I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. 

Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively.
I am now more devastated it than before. I am writing to you for the second time regarding the inconsistencies of Wells Fargo. I have requested over and over again a work out plan that will benefit us all. Wells Fargo decide to now sale my home. .. Never any explanation or concern of my circumstances I requested on XX/XX/2018 that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job. She is now on a full time job over a year. I again provide documents on XX/XX/XXXX hoping to get a resolution. I am still waiting. 
My attorney s office called Wells Fargo and spoke to the preservation dept. spoke to XXXX who transfer them to the re - entry dept.. There was no resolution .File is always in review. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. In XXXX, I suffered a XXXX XXXX resulting in two XXXX XXXX, as a result of the injury I could not work. I was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed 7 people. I have XXXX children. Please, Please, understand that this is our only shelter. My financial situation has now improved. I have provided several financial packages to Wells Fargo to no success. They are the one to holding on to a resolution, making me incurred an outrageous balance. I have heard of the law suit against Wells Fargo similar to my own. I can provide you such. All I want is for Wells Fargo to reconsider my situation and allowed me to make payments o my house.. I need this shelter for my children. I have XXXX children as I mentioned before.