WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX attended XXXX College between XX/XX/XXXX and XX/XX/XXXX while he was in the XXXX. He reached out to the university via email, which told him that his XXXX XXXX XXXX would cover tuition. After enrollment, XXXX told him that his XXXX XXXX would not cover tuition, and that he had to take out federal loans. XXXX took out loans to cover tuition. XXXX encouraged XXXX to take out private loans as well, claiming the federal loans were insufficient to cover tuition. XXXX also presented a private loan as a refund to XXXX, who was unaware he would owe student loans by accepting the so-called refund.
On XX/XX/XXXX I was laid off from my XXXX XXXX due to economic downsizing. Despite applying for countless jobs, no one wanted to hire a XXXX  woman and so after my child was born I ended up claiming unemployment for a short while. I continued interviewing, to no avail over the next six months. I also CONTINUED to pay on my student loans during this time, and for another two years after losing my job by taking money out of my IRA. Realizing we couldn't afford the $ XXXX/yr fees associated with XXXX children in daycare, I became a XXXX XXXX. Navient allowed me to defer my loan for unemployment and financial hardship a few times but after XXXX XXXX XXXX XXXX and having regular income, albeit a small amount, I tried to apply for income based repayment plans so I could stop racking interest and fees associated with continued deferrals, defaults and forbearances. EVERY SINGLE application for IBR was either denied or resulted in a LARGER payment than I was already making - meanwhile my income is a measly fraction of what it was when previously employed full time. According to Navient, my household income is accounted for when establishing these numbers ; understood. The problem with our household income is that we still can not pay our bills in full ( which I provided three years of our own budget tracking spreadsheets as proof ) AND the latest IBR repayment values they issued on XX/XX/XXXX are hilariously ridiculous. They are as follows : 9 payments of {$480.00}, 122 payments of {$820.00} < -- -- -- please note this!!! 
2 payments of {$350.00}, 4 payments of {$340.00}. 

WE CAN NOT AFFORD THE PREVIOUS PAYMENT OF $ XXXX/mo anymore and there is no way we can afford the aforementioned  payment schedule. 

I need some help here. My loans have exploded in value because of all the deferrals, and forbearances and my credit has plummeted due to the defaults. I WANT to make a payment that we CAN afford, but clearly Navient doesn't want to help me do that.
I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach XXXX as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But XXXX  and Transunion will not remove it.
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with IQ DATA INTERNATIONAL IN Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt IQ DATA INTERNATIONAL IN purport I owe. I request that IQ DATA INTERNATIONAL IN Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt XXXX. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IQ DATA INTERNATIONAL IN Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.
I bought the car for less then what there trying to get from me they got over twenty thousand from me
I had an identity theft for a loan at Capital One Bank. I never received a loan from Capital One Bank. I have been trying to dispute this loan for over a year. Capital One said it would be removed from record because it was fraud. I have filed several disputes with XXXX and they assured me that the account would be removed from my credit report. It has remained on my credit report I notified XXXX that it was still showing a balance and they said they would take care of it. As of today, I am still receiving credit alerts showing that my credit score has decreased more because XXXX XXXX XXXX  flagged my XXXX account which is not my account and was done through identity theft which was reported to XXXX XXXX XXXX  in XXXX XXXXToday XXXX reports that my account at XXXX XXXX XXXX is 60 days past due. I tried one more one more time several weeks ago to file a dispute on line about the fraudulent Capital One account continuing to show as " negative '', showing a balance and showing payments late on my XXXX  report. I was refused another dispute, instead a notice showed up saying I have reached my number of limits to dispute this account and the account has been closed. 
I first filed the complaint with CFPB  on XX/XX/2018. My grandmother was trying to help me and gave the person on the phone the information about my situation. He put her name on the complaint and sent it to XXXX and Capital One after she asked him if they would accept it with her name on it and he said yes.They sent notice that it was closed because she was a third party filing it. I received a letter from Capital One stating I could call and have my grandmother put on the account so she could speak with them. I called last week to put her on the account. The rep was very rude and said the case had been closed and therefore he could not put her on it, even after I explained I had receiving a letter just the last week advising me that I could do it. This has been the most frustrating, over a year long, stressful thing I have tried to do. It is unacceptable that someone can fraudulently charge something in my name and it goes on my credit report and it obviously takes an act of Congress to get them to actually take it off my credit report. And you are an act of Congress ( establishing your agency ) and I sure hope you can help me.
Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.
I noticed in 2015 I had a debt {$940.00} on my credit report with XXXX XXXX. I 've never had such debt, I disputed the debt, contacted XXXX around XX/XX/2015. I was told it would be taken care of as soon as possible. So On XXXX XXXX, 2015 it was removed from my credit report. Starting around XX/XX/XXXX - XX/XX/XXXX I was harrased from by XXXX, threathen to ruiun my credit, and talked to in a demeaning way. I noticed a month ago the same debt is back on my credit report {$940.00} XXXX XXXX. I 've had some other unusual incidents that raise red flags for me, like getting a lot of mail from target, scholorship funds, in someone else 's name who lived next door. A employee from XXXX call my recently asking for me using my middle name, stating that someone left their phone in the store, I was puzzeld so I ask question but the employee became uninterested. I also had small charges appear on my back account. I 've had fraud alerts placed on my reports. All my identification was stolen from me and a police report was taken by the XXXX XXXX in XXXX XXXX, XXXX I do not and never owed any cable company that amount of money.
On XXXX/2017, Bank BBVA Compass, charged my account XXXX in the amount of {$32.00} each time for overdraft fees. I had active/enough funds in my account at all times while these transactions went through. There were XXXX transactions that were charged overdraft, all of which I had available funds in my account. I also was paid on Friday XXXX/2017 with a direct deposit in the amount of {$1500.00}. 

Transaction # 1 {$7.00} XXXX XXXX/2017 Transaction # 2 {$64.00} XXXX Payment XXXX/2017 Transaction # XXXX {$120.00} for a website payment XXXX/2017 I spoke to a phone agent on XXXX/2017 that had access to my account and told me that if i deposited money into my account that my transaction for {$160.00} would be covered from XXXX so I went to the ATM and deposited almost {$200.00} to leave enough in my account to cover that transaction. I wake up the next morning and not only did the XXXX NOT GET PAID, but they charged me XXXX overdraft fees of {$32.00} for random transactions from days before that I actually had money in my account for. In fact, on XXXX/2017, after all of those transactions had already went through i withdrew {$340.00} in cash from the ATM which left me still with a positive balance in my account as they do not allow me to overdraft through ATM transaction. All of those transactions were already processing and went through. 

There is clearly something wrong with their system and the way it prioritizes purchases relative to your available balance in your account. Obviously, if I had a lot of money in my account, this would n't be an issue. This is only an issue because my account was low on funds, which really is n't their business to worry about. They should however make sure that everybody 's transactions are processed fairly and with the right timing. 

The explanation was poor by the company, and I advised them to listen to the phone call i had with the representative to get a better understanding. I did clearly let them know that they have STOLEN money from me as I paid for these items already and now they are collecting on those charges and adding fees to them.
I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.
Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.
I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.
Diversified Recovery Servic  es  continues to call and attempt to collect money from me for a  XXXX  account that I never had. I 've disputed this with  XXXX ,   XXXX    and  XXXX . All have been removed. Once ever y 2-3 mo nths they will pop back up and I have to dispute them again. I 'm tired of telling  XXXX  and their  collectors to stop calling me for a debt that is not mine! I 've explained this to all of the collectors  and to  XXXX  and it ' s STILL hap pening!
I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX
This complaint is in regards to the Enforcement Action taken by the CFPB against XXXX and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. 

Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed XXXX judgments against my mother. Copies of these judgments can be provided if needed. 

Paragraph XXXX under XXXX XXXX of the Consent Order XXXX XXXX XXXX. XXXX ) signed on XX/XX/XXXX, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately {$3400000.00}, Respondent must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Time-Barred Debt Collection Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period in Time-Barred Debt Collection Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt. 
- '' Relevant Time Period '' means the period from XX/XX/XXXX to the Effective Date. 
- '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns. 
- '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( XX/XX/XXXX ).
XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.
I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas   from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.
On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of XXXX.
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to attempting to settle the charge off balance we had with their company. On that first call, the XXXX representative stated our loan was marked as one of many to be XXXX out and removed from our credit report. They stated it had something to do with a class action lawsuit that XXXX had lost. Since then, we have called numerous times and each time the answer is the same, they are working on it and it will be done shortly. Finally in XX/XX/XXXX, I received a letter dated XX/XX/17 stating they had adjusted my balance to {$0.00} but nothing in regards to the removal. When I called back, again they say they are working on it. This has gone on for several months now and is affecting us from buying our new home in XX/XX/XXXX.
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for credit without his consent. While the fraudulent credit items have been disputed the credit bureau Experian has verified the fraudulent related address is accurate. This is a violation for the FCRA.