WillisBack/dataset-financial-user-claim huggingface dataset:
I have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.
I had someone use my debt card in another State fraudulently. I filed a dispute and sent it via the companies guidelines through email to their disputes department. It was XXXX XXXX, 2016. I was told I would get a provisional credit until they finished their investigation. As of XXXX XXXX, 2016, I did not yet get a credit in any manner to my account. I have no money to buy food and pay bills. I have accrued addition late fees for bills to amount {$100.00} in total because of their delay and breach of contract.
I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. 

I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. 

I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. 

Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.
I transferred my money via a bank wire from my personal bank : XXXX XXXX XXXX  on XX/XX/2018 in the amount of {$92000.00} to Coinbase. It has been an alarming 28 days since the wire date and I have not received my money into my Coinbase account! 

I have made more than 10 attempts to contact Coinbase over the past 3 weeks but I recieve the same scripted 5 word response : " We will or have escalated your request to our escalation team ''. But  NOTHING has been done. They initially said it would take 10 business days ... i feel this is just a made up number to buy themselves time. Coinbase has failed miserably in customer service and i am frightened that they have stolen my personal savings of {$92000.00}! 

I requested XXXX XXXX to recall my wire last week and they have since made 2 requests to Coinbase that have gone unanswered. 

I need CFPB 's help to recall my wire and receive my {$92000.00} back into my XXXX XXXX XXXX.
Equifax experienced a security breach in XXXX XXXX but did not notify me until XXXX XXXX, XXXX. I do not know who has my information but by the Equifax website I can verify that my information was exposed.
I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday  XXXX   XXXX  around  XXXX   XXXX   ( mont hs later after my hospital  visit )  my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of  XXXX  ext  XXXX  and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter  XXXX  bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day,  XXXX   XXXX , I have still been call ed 3 more  times regarding this debt by a different number :   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   and today   XXXX    XXXX , 2017  at  XXXX   XXXX
. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, XXXX
In XX/XX/2017 a Cease and Desist was faxed to Portfolio Recovery Associates at their corporate office. They did receive it and within a 10 day period started calling and stating they did not receive it, This was not the truth. One Saturday around XXXX PM I received a call from a lady reading from script about attempt to collect a debt I told her your under a Cease and Desist. She hung up I decided to call back and make an arrangement to clear the debt and show good faith I spoke to a gentleman named XXXX and settled to accounts. I did XXXX posted dated ACH debits for XX/XX/XXXX and XX/XX/XXXX for XXXX. I did XXXX for XX/XX/XXXX and XXXX The XX/XX/XXXX has paid just waiting on XX/XX/XXXX to clear bank. I made it very clear to XXXX that this will not be reported to any credit reporting agency he assurd me we had until XX/XX/2017 to pay this with no negative reporting Toady I was informed by XXXX they reported it XX/XX/XXXX and my score dropped XXXX points. This is deceptive trade practices. I noticed this company has several complaints and lawsuits pending I need your help to resolve this issue.
my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX
I have a debit card for use with the Bank of America ( BOA ) Health Savings Account. Today BOA refused to allow payment of heath expenses using my card because I had already paid the limit of bills I could pay in one day. " Supervisor '' XXXX, who was a first level supervisor and who advised he had no higher level supervisor, indicated a limit of paying XXXX bills per day and no ability to override. He also incorrectly stated that this limit is in the user agreement and in the FAQs -- it appears in neither. The user agreement indicates it can put on a dollar limit if I am advised in advance, which I have not been, and there would be no reason to do so as long as funds are in the account, or stop a transaction if they think there is fraud. BOA is illegally holding my funds. Clearly this is an issue that goes beyond me, as BOA collects interest on these funds while refusing to allow its customers to use their own funds. I do realize I can resolve this with a few days, but the point is CFPB should look into this illegal practice.
Being charged for a fraud charge after contacting them serval times they final closed the card but are still asking for payment for something I never received I had tried to purchase a tv and XXXX XXXX from XXXX XXXX XXXX XXXX they claimed the was hold funds from credit card company I tried reach to bank they claimed the funds were in mean time no order was ever processed I am being charged for fraud charge I had contact them more them I should I have to try get this resolved and they say I still have pay balance when I nothing to show for it how is this even legal this was from synchrony home card They cloaked the card but are still asking for money for merchandise I never received I told them I didnt get no tracking information to prove that I have it I was scammed from retailer they recommended on there site now I am out for a cost XXXX I feel that is illegal and fraud how can you have someone pay for something they never got
I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.
I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.
I had a payday loan for XXXX plus XXXX interest it was due on XXXX XXXX. On XXXX XXXX I submitted a early payment for the full balance of XXXX this morning I got a email from them saying my payment failed and now I must pay a XXXX return fee. It failed because they used the wrong bank account they show account ending in XXXX I have never had a bank account with this number. I have been borrowing from them for 9 months with no repayment problems. This was not my fault I told them this morning XXXX XXXX XXXX that I would pay the XXXX right now but I refuse to pay the XXXX penalty because it was not my fault the also say I was late how could I be late it is not due until XXXX XXXX. I spoke to XXXX he was condescending and no help at all when I asked to speak to a supervisor he said their policy is to have one call me back later. It is only XXXX it is not the money it is the principle. I would appreciate any help you can give. 

Thank you XXXX XXXX
This is my 3rd attempt to have this collection account removed. Attempts online and by mail with Experian have been unsuccessful for some reason. The collections company has already requested the deletion and sent proof in writing that they have done this.
To whom it may concern, I want to report transactions that I look at in my accounts, I kept all those papers for my files, but do not check because I had confidence with Wells Fargo Bank a few months ago. Using transactions I noticed quite a few transactions of the bank which charged things exaggeratedly high, I demand the institution clarify those charges, which I only received a letter where they are not responsible or offer me an explanation for the high penalties they gave me, which exceed more Of {$200.00} dollars in consecutive dates day by day, demanded my money and an explanation.
Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.
I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.
we have an auto loan with wells fargo dealer services. we had gotten behind on payments. we believe it was only 1-2 payments. we have asked for statements showing every payment, and all of the fees that have been assessed to the account. we have now found that they are still placing force placed insurance ( we have always covered the vehicle with full coverage ins ). We have provided proof of insurance numerous times. with the most recent this last week. and we provided in XXXX as well. it is a very frustrating time consuming endeavor we have taken on with these people. We want to have all the force placed insurance taken care of and any other fees that should not have been assessed.
I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.
I got my loan through a company that sold me a 'Nothing Down and high credit not needed loan. I signed for a XXXX Arm loan with XXXX interest rate. The payments were at {$600.00} a month with no escrow. At that time, I was able to afford this. I fell behind when I and my husband split up. We reconciled and have been trying to get a modification since. I was transferred to XXXX XXXX XXXX and tried over and over again to get a modification. I signed up with XXXX and went to several events and due to another transfer was not able to get a medication. I 've tried and send in docs and docs to Nationstar and still have not been able to get anything done. Nationstar told me that I refused a prior modification and was not able to get a HAMP modification because of it. I 've never signed any docs to any modification. They offered me a trial modification at a 3 % interest rate. I was okay with that modification but they messed up on the maturity date. I called over and over for a year until finally I received another offer. This modification was for 7 % and $ 1600+ a month for a payment. This was way too high of a payment for us to afford. I notified Nationstar that my husband 's work decreased due to the oil and gas industry. I sent in new check stubs to show them the decrease in income. They told me this was the only thing they could offer me or I could do sell my house, do a Short Sale, a Deed In Lieu or just foreclose. I then contacted XXXX again to exhaust all my options. I have been getting numerous calls from Nationstar for me to make a decision. I told them that I am working with XXXX and they advised me that XXXX could not do anything to change their decision. They told me XXXX go with the decision the mortgage company decides. I talked to XXXX XXXX with XXXX and told her my story. I finally have some hope with getting a modification. She advised me that they would do everything they could to help me get a modification and stay in my home. So, I 'm writing to file a complaint against Nationstar. I think they have the power to lower my monthly payment and it be beneficial for us and them..
I apply for a position online with a company and they recieved a criminal background record without my consent, The information on my record is 14 years old and Im poceeding to have it seal along with another charge that is 7 years old this information is denying me from becoming employed and I am exsperiencing XXXX, and Im trying to better my life.
I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.
XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have sent you my Drivers License. Her social security is XXXX. 
She does not do business with XXXX, XXXX, XXXX, and XXXX of the XXXX Bank XXXX are not hers. PLEASE DELETE THESE INQUIRIES.
I was late 30 days during XX/XX/XXXX paying CAP1/SAKs credit card in amount of {$43.00} due to moving and changing banks ( From XXXX XXXX XXXX to XXXX ). I assumed that the account was in automated payment, but when I switched banks, I missed switching it. As soon as, Saks Rep called me notifying that my account was late 30 days in XX/XX/XXXX, I paid the account in full and since than the account has been current or {$0.00} balance. I'm in process of buying a new construction house of {$610000.00}. My credit score is impacted negatively ( 15 points ) due to late payment of {$43.00} .During XX/XX/XXXX, I called twice, Saks customer credit reps asking to remove my late payment history of XX/XX/XXXX. They both said they can not go back 2 years in their system, therefore they advised me to submit a dispute directly with credit bureau. I did submitted a dispute with XXXX during XX/XX/XXXX and XXXX Dispute Report concluded that Saks creditor refuses to remove my late payment history of XX/XX/XXXX which contradicts what both Saks representatives told me. I believe, I'm mistreated by CAP/SAKs representatives, they lied to me and I will waist a lot of money in high interest mortgage for only one miss payment of {$43.00} XXXX
My credit report from Equifax have an account ( # XXXX XXXX from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.
today XX/XX/2018 I received an email from XXXX XXXX that my lowes credit card had been closed. I pay on time every month was confused to why they would close my account. so I called customer service and got a man who just kept repeating the same line over again saying I will get a letter in the mail. after I ask to speak to a supervisor he then ask if he had permission to read me this letter that was sent to me, letter said they ran my credit, for this reason or that they closed my account. listed several reason what it could be. no specific reason. I have paid on time NEVER missed a payment. this is not the first time they have hurt my credit drastically, they lowered my XXXX XXXX account after paying some balance off. which also hurt my credit and gave them the ammunition to close my lowes card. I feel they have bad business habits which single handedly ruin people 's credit. this is not right and I will be calling a lawyer and filling a class action suit.