WillisBack/dataset-financial-user-claim huggingface dataset:
Since  XX/XX/XXXX , I have been exhausted trying to communicate with  XXXX   XXXX   ( currently   Navient ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls an d I c ontinue to be unsuccessful in my efforts. My most recent request was faxed to Navient and included specific documentation from my credit report on  XX/XX/XXXX  and I  received an email which stated that I would receive a response withi n 5  business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of  XXXX . Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.
My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.
Contracted with Lowes of XXXX NY to install a fence. A Lowes Credit Card account was opened in XXXX 2016 for the purpose of financing the project. As of XXXX XXXX, 2016 the fence and materials are still not installed and delivered. Lowes Credit is still charging me interest and requiring monthly payments on materials and service that they have not provided. I have made several attempts to resolve this issue with them to no avail.
I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.
I had student loans with XXXX XXXX back in XXXX. My daughter was XXXX years of life. XXXX XXXX had allowed me to defer my payments for 6 months, after which I had started making payments again. After making payments for another 6 months, but because My husband and I were struggling financially due to all the hospital bills, I contacted a representative with XXXX XXXX and was told I could defer my payments for another 6 months this was in XXXX. It would allow my husband and I to get financially situated so that I could start paying off my student loans. In that course of 6 months my loans were Sold off to XXXX ( Formerly XXXX XXXX ) and Students Assistance Foundation. In XXXX my tax refund was taken from me to pay off the student loans which I had assumed went to XXXX XXXX. I did not receive any correspondence regarding my loan had gone into default and was being collected by these XXXX collection agencies. Now on my credit report it shows those 6-7 months of deferment as being late payments with Collection agencies for 90 days and 120 days late plus interest. I have since sent certified letters to both Student Assistance Foundation and XXXX requesting requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them along with proof of late payments, i.e cancelled checks or statements of scheduled payments. This was sent to them Via Certified Letter on XXXX XXXX, XXXX.Student Assistance Foundation responded with a computer generated printout called Loan Reconstruction Spreadsheet. ( please see attached ) Nothing that shows validation showing my signature. XXXX has not responded to any of my correspondence, and has my Student loan listed as a charge off on my credit report. this loan has been paid in full since XXXX XXXX. I was never late with either of them and neither SAF or XXXX is licensed in the State of Arizona where I reside to collect on a debt and charge interest, which is required in the state of AZ. I would like Both SAF and XXXX to be investigated into this matter, since both Collection Agencies have neglected to correspond with me correctly according to FCRA Section 623 ( a ) 3, and FDCPA section 807 ( 8 ). I asking said Collection agencies Student Assistance Foundation and XXXX remove the inaccurate reporting from my personal credit file.
I pulled my credit report on   XX/XX/XXXX     and noticed that  CMRE Finance  had reported to the  Credit Companys an account for {$120.00}. According to the Credit report  XXXX , it had been opene d on   XX/XX/XXXX    . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated  XX/XX/XXXX    .  <P/> I immediately certified a letter to CMRE dated   XX/XX/XXXX     requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe.  <P/> On   XX/XX/XXXX  , I received a letter dated  XX/XX/XXXX   from  CRME Finance  that included  4  pages ( see attached ) that shows  4  different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from BCA Financial. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. BCA FINANCIAL SERVICES, It Ian illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX   XXXX and XXXX   XXXX XXXX  XXXX XXXX
ONLINE SPLIT JOINT ACCOUNT IN XXXX IN A EFFORT TO COLLECT ON DEBT INDIVIUALLY, TRYING TO UNLAWFULLY COLLECT DEBT FROM XXXX XXXX.
I went to the ER for XXXX XXXX in XX/XX/2018. I was told that all I had to pay for about {$250.00} for my bills since I didn't have insurance. I payed and left. Weeks later I get a bill from the hospital which I couldn't pay because it was over {$1500.00}. I didn't know I would get billed like this because it wasn't discussed in the hospital or else I would've left. Time passes, and now apparently the bill was sent to collections. I didn't receive any mail that notified me about the dept collection or how I can resolve the issue. I did receive a lot of random calls for 800 numbers but I never answer them because I don't know who it is. Now when I checked my credit score report, it shows I have been placed in collections and that it won't go away for years. I called the company and asked that if it can be removed if I payed them. The lady told me no. I asked for an online link to pay for the dept and the link I received along with the account number also didn't work for me to get into my account.
I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank you
On XXXX XXXX, I was informed about the security breach suffered by Equifax. Per several news articles, Equifax apparently suffered this breach in XXXX, and I was not informed by the company of this breach. I only learned about it via secondhand sharing of a news article regarding the breach. Equifax has yet to inform me of the damages suffered or the causes of the breach by any means ( physical mailing/telephone message/email ), or that it has even occurred. 

I feel that Equifax failed to perform its due diligence in keeping my records secure after I suffered a previous security breach via the IRS, and it has failed to inform affected victims of the breach in a timely manner. 

Please accept this complaint as a censure of Equifax 's operations and leadership, as news articles report several of their higher placed corporate officers stand accused of moving stock after the breach but before reporting the breach 's occurence.
I use American Express Bluebird for my direct deposit for payroll. I have been a victim of fraud on my Bluebird card in the past. The result was waiting 45 days to get a credit. I was evicted with my children because I could not pay rent and the fees added up to more than I could pay. I told Amex that there were never to be internet charges again. Yet, today, XXXX XXXX, 2015, my card incurred internet charges of $ XXXX XXXX , {$250.00} XXXX XXXX and {$5.00} XXXX academy. I did not make these charges or authorize anyone to make these charges. 

Now, once again, Amex says that I have to wait 45 days for a refund. I will be homeless once again. I ca n't pay my rent. I have half and the landlord wo n't take half. My children and I will be homeless again.
In Between XXXX XXXX, 2017 and XXXX 2017 My identity was stolen. An unknown individual obtained services through XXXX WITHOUT my authorization in the Amount of : {$1900.00}. Allied Collection Services located in XXXX XXXX, NV is seeking to collect on this debt. But it is not mines. I have taken the necessary steps to dispute this fraudulent activity with all three credit Bureaus, Filed a police report and also Filed a extensive report with Federal Trade Commission. I have submitted a copy of my police report to the collection agency listed above and I have also submitted a written a certified statement to them as well. I am also seeking to find out if the named collection agency in even licensed in the state of Illinois.
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.
CHASE BANK, N.A. CLOSED AN EXEMPT ACCOUNT THAT RECEIVES US TREASURY FUNDS, FEDERAL BENEFITS. 

THE ACCOUNT CLOSURE VIOLATED CHASE CONTRACT ( FINANCIAL AGENCY AGREEMENT ) WITH UNITED STATES TREASURY AND THE FEDERAL RESERVE BOARD. THIS CONTRACT DICTATES THE REQUIREMENTS PLACED UPON THE BANK AND ALLOWS CHASE TO ACT AS A FINANCIAL INSTITUTION DEPOSITORY RECIPIENT. XXXX XXXX XXXX XXXX XXXX XXXX. 

AS A BENEFICIARY PAYMENT RECIPIENT MY ACCOUNT WITH CHASE WAS/IS EXEMPT FROM SEIZURE, LEVY OR GARNISHMENT. I ADDITION A COURT ORDER WOULD BE NEEDED TO PROCESS A SEIZURE, LEVY OR GARNISHMENT. 

ACTING AS A FINANCIAL AGENT FOR THE UNITED STATES TREASURY, CHASE IS RESPONSIBLE FOR REGULATION E COMPLIANCE. PART 22, TITLE 31 PART 212 SECTION E. " COMMERCIALLY REASONABLE BUSINESS PRACTICES '' THE FEDERAL RESERVE BOARD AND THE UNITED STATES TREASURY PLACE UPON CHASE " NO CHALLENGE OF PROTECTION ''. THE BANK CAN NOT FREEZE OR OTHERWISE RESTRICT THE ACCOUNT HOLDERS " FULL AND CUSTOMARY ACCESS TO THE ACCOUNT ''. A TEMPORARY FREEZE ON AN ACCOUNT WHICH IS EXEMPT VIOLATES FEDERAL ANTI-GARNISHMENT STATUTES, PROTECTED FEDERAL BENEFITS IN AN ACCOUNT, A BANK MUST COMPLY WITH PROCEDURES TO PROTECT THE ACCOUNT AS SET FORTH IN 31 CFR 212.6 CHASE BANK FROZE AND CLOSED MY ACCOUNT ON XX/XX/2017 AND WITHOUT WARNING OR EXPLANATION. CHASE BANK THUS VIOLATED THE RULES AND REGULATIONS SET FORTH IN THE CONTRACT THAT IS BETWEEN CHASE BANK, UNITED STATES TREASURY DEPARTMENT OF FISCAL SERVICES AND THE FEDERAL RESERVE BOARD OF NEW YORK.
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX.
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX XXXX : XXXX XXXX Equifax : XXXX : XXXX XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX? XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX.
I applied for a Loan Modification on : XX/XX/XXXX to Seterus, with the help of XXXX XXXX, a complete financial package was sent to be considered for a HAMP ( Home Affordable Loan Modification ). However to start with, Lender informed that this account was " locked '' by a Law Firm, which I never authorized. 
The " lock '' was removed and with the help of XXXX we were able to send the Financial Package again on : XX/XX/XXXX. 
On XX/XX/XXXX, Lender offered me an internal TPP, however this was not a TPP HAMP, and the terms were very confused. I decided not to accept the offer and applied again specifying that I would like to be considered for a Home XXXX Loan Modification. 
On XX/XX/XXXX another Financial Package was sent specifying my desire to be reviewed for a HAMP. 
On XX/XX/XXXX Lender informed me that my package was incomplete and some documents were missing, those were sent and another offer was sent to me, with the same " confusing '' terms, meaning they were only extending my maturity date XXXX more years and did not lower my interest. However due to the fact that Lender already sent me to foreclosure, I accepted the terms and my final documents were received this Monday XX/XX/XXXX. 
Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.