WillisBack/dataset-financial-user-claim huggingface dataset:
I had a semester at my university that I wound up withdrawing from when my father spent several weeks nearly XXXX in the hospital, during the same time my grandmother died, and I, myself, experienced symptoms of what I later found out was XXXX  ( at XXXX! ), all while having a lot of conflicts with faculty members. I couldn't get a refund and for the next 2 semesters, I was JUST short of paying, using the subsidized loan, and took out very small loans from Navient. This was fall of XX/XX/XXXX.

I'm an autistic man who is having difficulty finding work, even with an XXXX degree. It's XX/XX/XXXX. Somehow, my total student debt, which was about XXXX at graduation, is now nearly 30,000. I deferred as long as I could and went on income-driven replacement with XXXX income when that stopped being an option.

What almost always happens is that Navient doesn't notify me when I need to fill out a new application for income driven replacement, I miss a payment deadline, get some kind of fee, and have my debt buildNot to mention that 6.2 % is a CRIMINALLY high rate to charge a person for education, when civilized countries in the world have education free. I have strong suspicion that Navient gets extra fees from customers by design.

My credit is going to be too low for me to get an apartment if I try to move anywhere for employment.

This is just not right.
I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance
I am writing to dispute the following information in my file. I recently received a copy of my  XXXX   XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under  Sectio  n 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing th em to 3rd parties you a re damaging my reputation and credit worthiness.     Under the FC RA 15 U.S.C. 1681i, all unverif ied accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX ,  XXXX  A.    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX     XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In an attempt to reduce the number of unsolicited credit card offers I first attempted calling several of the banks including Capitol One ( directly ) and XXXX XXXX ( through the XXXX XXXX XXXX Miles Program ). I was told that I had to " opt out '' either through calling the number on the solicitation or by going on-line. 
I used the online method to opt out on XX/XX/2018 but continue to receive unsolicited offers from Capitol One, primarily, as well as XXXX and XXXX XXXX. 
When I check my credit report I notice that the banks have made numerous credit checks. I'm also concerned about the potential for fraud if someone should try to open an account under my name since there are so many of these solicitations mailed out. 

Is there any way to compel the banks to comply with my request not to send unsolicited offers for credit?
Received a phone call from my mother stating that some contacted her pertaining to a legal matter and wanted to meet me jn person. I returned the a message o my phone from the same person who answered the phone " hello ''. I told them i was returning a call and he said my name then started asking personal questions. I interrupted him and stated I would give no information without verification of who he was. He mumbled " SCM '' a few times before i asked him what " SCM '' was. after a few times of asking he told me Secure Capital Management. He asked when the best time would be for me to be home and meet someone who would be delivering me certified legal papers for me to sign. He then went in to give supposed details of the balance owed, to whom, the date opened, and what he could settle it for. I told him I would contact my legal counsel and they could deliver the paperwork to him. He stated he had to have this taken care of by end of business today or they would go forward with garnishment and court proceedings. I let him know that it would cost them way more to take it to court than the little {$390.00} balance I was to supposedly owe, all I want is official paperwork proving the debt. I told him I would need confirmation of a debt owed and he stated that its legit and would be on me to prove its not because all my personal information was tied to it. I told him I had no problem paying the balance if I received paperwork or something showing this debt owed was true and the company was real, I explained to him I was not handing my personal information over unknown if it was a scam or not because how he answered the phone and with never receiving a bill or phone call prior to this date. He stated that he would send me an official email but I had to call him back within an hour so he could follow up with the clients for further legal action if needed and I ended the call. He never relayed to me that it was an attempt to collect a debt and any jnformation would be used for that purpose. I confirmed with original debtor that there was an outstanding balance and did call the company and spoke to another staff to pay the debt. Debt was paid but he did relay the information I requested from him that the original staff name was XXXX XXXX who gave out my information without ensuring it was me, did not tell me that this was a call to collect a date, and that was dishonest about it having to be finished today or court proceedings would begin. Can theh call and tell you to set up a time to have someone meet you to sig for certified legal paperwork? I thought court papers would be mailed certified amd signed for through XXXX or delivered by county sheriff and signed for through them.
I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX 4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.
I leased a vehicle from a local Chevy dealer in XXXX, TX in XXXX XXXX. I turned in the vehicle ( XXXX Chevy Traverse ) in XXXX XXXX after having made all my monthly payments on-time via eletronic funds transfer and closing out the lease having paid it out in full with the vehicle returned with no damage. GM Finance told me upon turn in that the automatic electronic funds withdrawal for the monthly payment would end automatically and no further action was required by me. In contradiction to this, GM Financial continued to deduct the $ 500 monthly payment for the next two months for a total of {$1000.00} in overpayment. As soon as i noticed the problem ( on or about XXXX XXXX, XXXX ), i called GM Financial, requested they immediately deactivate autopay and refund the {$1000.00} to my account. The call center rep informed me it would be about 4 weeks of processing time before I would receive the check. When in XX/XX/XXXX I had still not received a check, I called GM Financial to check on status. They then told me they were still in the process of verifying the vehicle status and it would be another XXXX weeks before they determined disposition. I called again in two weeks and was told they acknowledged the overpayment and would be mailing a check to me in about two weeks. Not having received a check by XX/XX/XXXX, I called again on or about XXXX XXXX. At this point I asked to speak with a supervisor who told me the check was being processed and would be mailed on XXXX XXXX via registered mail. I called again on XXXX XXXX not having received the check. GM Financial told me their system reported the check was cashed on XXXX XXXX, a check that i have never received. This fact should be readily in evidence at GM financial by checking their records to see who and where the check was cashed. The supervisor told me they would expedite resolution and keep me informed. I 've now called back three more times on XXXX XXXX and XXXX XXXX and no supervisor has provided any information
This is a desperate plea for help! Over {$14000.00} in overdraft fees! 

This formal complaint is to inform any and all who will listen ... that I am drowning in overdraft charges. I am at the end of my rope. I have exhausted all of my loan options just to try to stay afloat. 

My business is on the verge of going under. And single handed, at the hands of disgraceful shady practices of Fifth Third Bank. 

Here is where it all started. These were my experiences that led to my situation with Fifth Third Bank : 1 ) One or more ( usually my main ) checking account ( s ) not being available ... not showing up in the mobile deposit option through the 5/3 app. As if they know I 'm about to go into the negative and they 're preventing me from making good beforehand. Even before their " cut-off times ''. 
2 ) Fifth Third Bank has disabled the ability to take a screenshot ( in the app ), most likely to prevent customer 's from being able to show proof. However, I 've taken pictures. 
3 ) ATMs not being available ( out of order ) usually on the same day/night. I also have pictures of this. This is what started everything over 2 years ago and it has spiraled every since. 
4 ) When an ATM is available, it has declined the acceptance of checks. I have pictures. It has also not accepted CASH. It just simply grays the 'cash ' option out. 
5 ) It does not appear deposits are being posted first. 
6 ) It is very apparent that transactions are being reordered, in order to benefit Fifth Third Bank the most, as they are then able to maximize the amount of overdraft fees they charge. I also have pictures of this. It 's obvious in the app AND desktop view. 
7 ) Their merchant services company, Vantiv ( either owned by 5/3 or partners ) process the credit card company fees separate from the 'credits ', so each very small amount ( XXXX cents or {$1.00}, etc. ) gets processed separate and ALWAYS last. So if the account is already in the negative ( or about to be ), there is a unique/separate overdraft charge for these transactions. Other banks / merchant services deduct those credit processing transaction fees FROM the 'credits ' and THEN deposit the remaining. The way Fifth Third Bank does it, this increases and maximizes the overdraft fee potential. 
8 ) Also, they do n't seem to have a daily or even " instance '' MAX on how many overdraft fees can be charged. Other banks have a max. I 've recently checked. This has caused overdraft charges to pile up as high as {$220.00} in one single instance. 

I 've added ALL of the overdraft fees that have been charged to me by Fifth Third Bank over the period of 24 months. Between both personal and business accounts, this has totaled over {$14000.00}. This is an absolute outrage. 

I have a XXXX now. I can barely keep it together. I can barely pay off the overdraft fees each week, let alone my regular bills and expenses. I have somehow ( I have no idea how ) managed to keep each account active. Bringing them back out of the negative each time. But I 'm at a point where I no longer think I can do that. Not without some help. This has almost put me under. The next step, seriously, it being put OUT OF BUSINESS & then HOMELESS!
XX/XX/XXXX ( likely XX/XX/XXXX ), I called XXXX XXXX XXXX, told them I wanted to pay off my mortgage loan, and asked them how much money I should send in and whether I should send it to them or send it to PNC Mortgage ( the company taking over the loans on XXXX XXXX ). They said I should send in {$18000.00} and said if I send it before XX/XX/XXXX, I could send it to them, or after XX/XX/XXXX I should send it to PNC Mortgage. On XX/XX/XXXX, I wrote a check for the amount they said I should send and sent it to XXXX XXXX XXXX. Although they had given me the impression that they would process the pay-off, they sent it to PNC Mortgage. PNC called on XXXX XXXX and said I did not send enough money and please call their Pay-off Department. On XXXX XXXX, I called to complain. On XXXX XXXX, they called to say that XXXX XXXX gave me the wrong amount, and I still owe {$130.00}. 
On XXXX XXXX, I received a statement saying I owe a recording fee and interest on the loan from XXXX XXXX to when I paid it off and that they are continuing to charge me interest even now. XXXX XXXX had told me nothing about these extra costs, so I called and told PNC ( on XXXX XXXX ) that I will be filing a complaint.
XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to bank or America. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX  everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
This is a follow-up to the complaint with Hunting bank. They responded in XXXX but I was not able to login to my account to view their response until just today. I call the cfpb a couple of times saying that I was not able to login to my account there, but never got a response other than someone would get back to me, but they did n't. 

I disagree with their response that I refused their offer to re-finance under their home savers program. What happened is that I was working with a XXXX XXXX, a mortgage officer at their XXXX XXXX. This person was very unresponsive and inept in dealing with my problem. She thought that she could do a refinance on both my first and second mortgage despite the fact that I was already past due by a month on paying my loan balance to them of over {$52000.00}. By the way, I did contact her as soon as I got the notice form the bank that my entire loan balance was due and payable in full, but she was slow in getting back to me and did not return my calls. 
After her working on the refinance for over XXXX months, she finally told me that she could not do the loan as my payment of the {$52000.00} to her bank was not paid and my account was past due. She knew this back in XXXX and should have told me at that time. If she had been a competent loan officer, she would and known when I first contacted her that she could not do the loan. At that point, I would have accepted the first offer from their XXXX XXXX department. Because of the way she handled this, I had hope that she was able to refinance both my first and second mortgage at a lower rate than the XXXX XXXX department offered. Because of how she handled this, I had to re-apply for the XXXX XXXX option and it took several more months of missing payments. I found that there was no communication between the various departments at Huntington Bank involved in my problem, despite the fact that I told each department which other departments I had talked to and gave names of who I was talking to in each department. 

Because of the way this whole thing was handled, not only is this costing me more because of the payments I missed, but I was approved at XXXX other mortgage companies for much lower interest rates to refinance XXXX mortgages but was only rejected at the last minute in XXXX case when Huntington Bank told them that my loan was past due.
Experian is reporting an address that i have never lived at. I disputed the address and it remains. I am not able to submit dispute any longer. Please see below the address is occupied by a Law Firm. this is Not a Residence. 

XXXX XXXX in XXXX, FL | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL https : XXXX Kel Attorneys XXXX XXXX, FL -- XXXX, Phone Number, Reviews, Photos and Video Profile for XXXX FL XXXX XXXX. XXXX XXXX appears in : XXXX Services. 

Requesting that the address be deleted as I Have Never Lived at this Address.
Wells Fargo is still on my XXXX credit report although Wells Fargo said they will be off by XX/XX/2015. See attached Wells Fargo report saying it will be removed by XX/XX/2015. They refused to shut the account -- XXXX % of the balance is fees. Wells Fargo should be off my credit -- it is 6 months after Wells Fargo wrote that it would be removed.
My complaint is against Bank of America Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Bank of America and had with my former merchant provider. I have banked with Bank of America for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Bank of America could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Bank of America representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Bank of America representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Bank of America, it is unclear to me how Bank of America could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Bank of America marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Bank of America would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Bank of America merchant account to circumvent any unnecessary financial hardship to my life and to my business.
On XXXX XXXX, 2016 I checked my credit report on XXXX XXXX and had a total of 24 hard inquires removed from my credit report. I checked my account again on XXXX XXXX, 2016 and all 24 hard inquires were placed back on my account without sending me a reinsertion letter as required by FRCA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and I should simply file a complaint because they will not fix it.