WillisBack/dataset-financial-user-claim huggingface dataset:
I have student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention
Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room XXXX.
I have been a victim of identity theft. Someone attempted to open an XXXX credit card using my name and social security number in XX/XX/XXXX. My credit monitoring services alerted me of a hard pull on my credit, and I contacted Chase Bank, which underwrites the card, to report it. The person I spoke to assured me that Chase would : ( 1 ) Send a notice to credit reporting agencies to remove the hard pull ( 2 ) Put a flag on my social security number so that any future applications would be declined.

Yesterday, I got another notice that someone had attempted to open a Chase credit card in my name. I contacted them this morning, and all the person I spoke to would commit to is declining the card. There is no flag on my social security number to prevent future fraud. Moreover, the XX/XX/XXXX hard inquiry is still on my credit report. I asked them to report the attempt to law enforcement, and they refused. 

Credit card companies need to do more to protect victims of identity theft from having fraudulent credit opened in their names. They should be required to report fraud to law enforcement.
company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again
Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).
I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with TransUnion to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. TransUnion is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is  around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX To : CFPB On XXXX/XXXX/XXXX my father XXXX due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX dollars in late fees. I reach out to XXXX to start the loan modification because of financial hardship. A few months later XXXX sold the loan to XXXX ( XXXX ) XXXX ACCT # XXXX. XXXX sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the XXXX on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to XXXX they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XXXX/XXXX/XXXX I reach out to XXXX to check the status of my loan they say it 's still in review and they inform me on XXXX/XXXX/XXXX my loan will be service by Shell Point XXXX. When I reach out to Shell Point on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from XXXX. When I call Shell Point a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX from XXXX ( Ext. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is Shell Point Financial inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX  that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public money.
In attempting to recertify my income-based repayment plan with Nelnet, I have received misinformation, undue delays, and I am trying to be pushed into unnecessary forbearance.
Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. 

This fall, their online payment portal changed. I noticed this change on XXXX XXXX, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. 

Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On XXXX XXXX I chose this option, but when my next statement came out I saw that my minimum payment did not go through, and I was charged interest. I contacted Citi via live chat on XXXX/XXXX/16 and told the agent all of this. He said it must have been a website glitch and assured me he would reimburse me the interest paid. He did not do so. 

On XXXX XXXX, I logged in again the payment options were the same. The payment page again stated that my minimum had been satisfied, and I was invited to pay the remaining statement balance. Once again, I did so. But this time I took screen shots to prove what happened. 

Once again, when my new statement was issued, I saw that the minimum payment had not been deducted, only the " remaining statement balance '' amount. And once again I was charged interest. 

This time, I contacted Citi via email and told them the whole story, including the fact that I captured screen shots of the payment process proving what I say. I referenced the live chat I had with their agent last month. All I received was a canned response not acknowledging anything I said and not offering any resolution. At least this time they did n't try to lie to me about a glitch. 

How many millions of people are they ripping off this way?
The mortgage company, Bank of America, requested an IRS Form XXXX to verify tax information. We completed and signed that form. I later received correspondence including a copy of the form the Bank submitted, from the IRS requesting contact to their identity theft department. When I compared the original form to the one submitted by the bank, the original had been altered. The requesting third party had been changed but our signatures still appeared on the form.
I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about them.
Hello, For the past couple years I had 2 credit cards from Capital One together with my wife, I'm having this problem that the SS # that I have is an GHOST, nothing is been report to the credit. 
I have paid off both of those credit cards - now I have another credit card with capital one and again not reporting to the credit I'm the credit card holder and my wife is the authorized user it has been over 5 months, I'm not able to buy an house because of this problem. 
I don't know what to do anymore because of this issue is affecting my life. 
Please guide me what should I do about this, me and my wife have contact capital one several time and nothing have been done. 
me and my wife have contact the 3 credit bureaus about this issue and again nothing can be done the credits says that under the credit my SS # is a GHOST.
XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. 

Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. 
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. 
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. 

My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? 
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.
I submitted evidence to Experian and XXXX on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX XXXX  for a secured loan obtain in XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
PMT Solutions is an unethical, very unprofessional organization. I called to find out why they were sending me bills that were grossly inflated -with predatory feeds attached. Also, they said lost my letter to them asking them to send me a fair bill -minus the predatory fees. Further, I sent a {$15.00} money order and said apply this to any basic fees or charges that I may owe-but, again, my having been in the hospital with an overnight stay due to a XXXX-I was concerned with this bill and called to understand and resolve it as soon as I got out of the hospital and recovered. I asked why I had these excessive charges ; and, why am I still getting charges-even after I called to pay and resolve it and asked for line by line -item by item research. 

Worse, PMT lost the {$15.00} money order that I sent in good faith with the letter requesting the exorbatant fees be removed! They actually lost the money order -did not offer to research and follow-up and hung up on me 3 times when I attempted to call back to ask for a manager to assist with resolutions. I was sent back and forth between XXXX companies and finally I became aware that PMT solutions has the ability to remove the excessive and predatory fees so that I can pay the base charges-fair and square. They simply refuse to be fair or ethical. For example on a charge that is {$21.00} a {$35.00} fee was added. This was done repeatedly even for charges under $ 7- a {$35.00} fee was added. This is by far predatory and unethical. They are unprofessional, rude and it is impossible to get fair resolve. I am certain that other consumers are being treated the same or worse. Please firmly address and stop them/this.
XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. 
I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. 
I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.
HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.
XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.
My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX Feel like TransUnion is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.