WillisBack/dataset-financial-user-claim huggingface dataset:
I started my debt resolution program through  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX , which included my Navient private loan. Initial contact by  XXXX  to Navient for this particular student loan account was initiated on  XXXX . Last contact was made in  XXXX . I have been receiving calls at least twice a day from  Navient  for the last few months to try and resolve this debt. On  XXXX / XXXX / XXXX , I spoke with  XXXX  from Navient, the account manager assigned to my account, and I had let her know that I am resolving my debt through  XXXX  and contact should be made through them ( my account profile reflects  XXXX  's phone number and mailing address for Navient to contact ). I also let  XXXX  know that if I am contacted again by Navient regarding this particular account, that I will file a complaint with the Attorney General and the FTC. She had mentioned that  XXXX  has yet to contact them. I spoke with  XXXX  on the same day and I was told by an account rep that they have been in contact with Navient and have already submitted the proper documents to initiate the negotiation process. Since  XXXX / XXXX / XXXX , I have received multiple phone calls each week from  Navient  in the month of  XXXX  asking me to still resolve my debt. I spoke with another representative today,  XXXX / XXXX / XXXX , and had stated again, that I am working with  XXXX  to resolve my debt and that all contact should be made through them. This is now harassment from them as they keep calling when I have respectfully directed them to work with  XXXX  for this particular account.
First Tennessee Bank employees did a duplicate wire transfer on XX/XX/XXXX. The account number was XXXX, the original transaction was done on XX/XX/XXXX. First Tennessee adjusted the {$74000.00} by using the bank deposit slip/and or their withdrawal slips. The bank off set the money stolen. The deposit slip & withdrawal slip numbers are XXXX & XXXX. XXXX XXXX & XXXX XXXX are brokers that handled that account. They set up the fraud account with XXXX XXXX. XXXX XXXX appears to be working with XXXX XXXX XXXX. There was a transaction made to XXXX XXXX XXXX XXXX The name on the account is XXXX, XXXX. The amount was $ XXXX.First Tennessee Bank stole {$20000.00} on XX/XX/XXXX. XXXX XXXX with XXXX XXXX stole {$20000.00}. There are three banks involved. There was another wire transfer adjusted by First Tennessee Bank after the bank stole $ {$33000.00} on XX/XX/XXXX. The wire transfer was from account number XXXX to aba XXXX/account # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX is the account set up by XXXX XXXX after she stole my retirement check from XXXX in XX/XX/XXXX. XXXX XXXX & XXXX XXXX with XXXX XXXX my former employer. XXXX XXXX was a former employee with XXXX XXXX XXXX XXXX She was friends with XXXX XXXX . My retirement check was mailed to the bank. I never saw the check to endorse it. The FBI & Secret Service brought this to my attention. XXXX XXXX stamped my check with Principle with NFS stamp to deposit only. The amount of the check is {$280000.00}. A fraud account was set up for XXXX XXXX. The amount was for $ XXXX.The XXXX Family was given the paperwork by Attorney XXXX XXXX after I filed bankruptcy in XX/XX/XXXX. Another account was set up for XXXX XXXX XXXX. The account number created by XXXX XXXX is XXXX.
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX 6. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
The issue is overcharge and unreasonable. 
1. I purchased air ticket online which is {$990.00}. But charged {$1100.00}. I contacted America Express many times, and not to solve. Overcharged {$200.00}. I booked hotel, and I cancelled already. I informed America Express to stop payment also. They charged me still. I contacted America Express many times, and not to solve. Unreasonable charged $ XXXX {$49.00}. ( {$49.00} is for foreign transaction fee ).
XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
EXPERIAN, XXXX XXXX, AND XXXX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002till present. 
As a XXXX XXXX I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance. 
They have defamed my character with false reports. 
Credit card companies will not approve me.
The mortgage was charged-off in XXXX. They kept threatening to foreclose until I paid. I had no funds until XXXX and learned I have been paying on a debt that was closed out years ago. They lied and said there was a lien on my property.
I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you
I cosigned for a private student loan for my wife, who was my girlfriend at the time. They have sent court documents to my former residence. They have not tried or attempted to contact her. The law firm representing the loan company will not come to the phone or call my wife back. The loan was originated in 2008.
XXXX, Equifax, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX  mastercard with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.
XXXX XXXX office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. National Credit Systems is  also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX Bless.
Chase has a mortgage on our florida condo. 
We have not been able to get a REFI! 
the Chase underwriters claim it is a " condo-hotel '' It is NOT and was NOT ever documented by the FL. deptas one. But we are stuck with a higher interset rate
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.
On XX/XX/2018 and XX/XX/2018 per Fair Debt Collection Practice Act, Section 809 Title 15 U.S.C. 1692 request Portfolio Recovery Associates validation of this alleged debt. PRA claimed they validated this account. I never been notified of this collection, I had to pull my credit report and found this collection on my report. I submit a complain with CFPB about the company not validating account. PRA state they have no record of a response or a dispute being received in relation to its initial notification letter. I sent two validation letter and they didn't sent a respond within the 30 days of receipt.
Below is a verbatim copy of the instructions on the Verisk Analytics A-PLUS web site on how to obtain a free yearly copy their insurance reporting file. Web address : https : //www.verisk.com/XXXX " To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at XXXX. The A-PLUS Consumer Report Request Line is available Monday through Friday from XXXX XXXX to XXXX XXXX, Eastern time. '' When you call XXXX at XXXX XXXX   Eastern time you get a recording stating that their business opens at XXXX XXXX Eastern Time.
I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.
Company reported me 30d late when I was not. My XXXX report indicates the delinquency on the month of XX/XX/XXXX reporting which indicates that the XX/XX/XXXX payment was delinquent ( due to 1 month in arrears reporting ). I made my payment, which was drafted from my bank account on XX/XX/XXXX. I attempted to dispute the delinquency of both XX/XX/XXXX and XX/XX/2018. The company sent me a generic letter advising that they were reporting accurately. THE LETTER GAVE ZERO DETAILS. what month did they research. What was the date of payment receipt? Date of phone pay? I reiterate that I was told by the representative whom confirmed with their manager that I would not be reported delinquent on either my XX/XX/XXXX or XX/XX/XXXX payment ( not sure now that the report is saying XX/XX/XXXX late ) There is recording of my conversation and my multiple reassurances that there wouldn't be any negative reporting when I spoke to them in XX/XX/XXXX. I also believe that they took an alternative ( manager approved exception ) payment method of credit card as opposed to their standard check/bank account transaction. 

Responsible Servicing- inaccurate information provided multiple times which caused me financial harm FCRA- previous response did not address specific items disputed, credit report was not suppressed for 60d after the dispute, & request for the CBR research department to remove the XB dispute notation not fulfilled ( on recorded call when I initiated the CBR dispute )
I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XX/XX/XXXX and XX/XX/XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. Theyve been threating me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I shouldve been out of my house since XX/XX/XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purshased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX Sheriffs are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.
I was going to do a bankruptcy but stopped the process, the car was sent for collection to XXXX ... it is showing that it is a repo which is not I have been making paying through the company XXXX that USAA assigned to it. I need that collection off my credit because it is affecting me getting a new car. This account is being paid on the XXXX of the month at {$300.00}
We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute.
I am attaching a copy of the investigation request that I sent to XXXX and Trans Union on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.
I am an 18 year customer of PNC XXXX. My age is XXXX and my current XXXX score is XXXX and my current XXXX score is XXXX. My net asset value is around {$400000.00}. Yesterday I was taking my 37 year partner ( age XXXX ) to the XXXX of the XXXX XXXX for a XXXX. We left the health care facility after XXXX and went to a PNC Branch office at XXXX XXXX XXXX, XXXX, OH XXXX. I had a small {$6.00} check from XXXX XXXX to cash and my partner deposited {$200.00}. When I presented my check with my signed PNC Bank Card I was told that I needed a driver 's license to cash it. I asked if the manager could approve cashing it. The teller said he is right behind you. I asked the manager if it was really necessary to have a drive 's license to cash a {$6.00} check when a signed PNC Bank Card was presented and if he could override it. In a very aggressive way he said, Yes I can, but I will not do it for YOU. I then strongly told him that everything he just said and did was on camera and in front of witnesses. Then he shouted across the lobby, " Do n't YOU ever come back to this branch ''. On the way out the door I looked at the manager and said, " XXXX XXXX, you 're going down. '' Meaning that the rude and unprofessional way you treated me is being reported to upper management. 

On my way home I stopped at PNC 's XXXX XXXX XXXX and asked XXXX how to report this treatment and just by chance an area supervisor was in the branch. I spoke to XXXX and she recorded what happened. When I got home I received a phone call from Officer XXXX XXXX Police Department. He told me that the PNC manager, XXXX XXXX, filed charges against me for threatening his life! 
CC : FILE
Hello, my name is  XXXX   XXXX . I have tried to no avail to get assistance with AES/ XXXX  customer service on so many occasions that I can not remember them all.   I have been told that my account was so far gone that even if I did make payments the interest alone was so high that I would not be making payments on the loan amounts for a long time. I have tried emailing, calling, and sending requests through the online mailbox on website. As you can see, these loans have been in existence for some time. I decided to go back to college and get my special education license to be able to make more income and do the job that I loved. Through those college years, I was only offered forbearance 's and deferments on the loans indicated below and as you can see the balance of each loan has either doubled or tripled in size, the payments are more that what any college graduate could possibly pay with no jog right out of college, and no other options were given from  AES an d I have contacted  XXXX  Several times as well. I do not know what to do about this situation.  XXXX  has ruined my credit by placing prior accounts into default on my credit report when in turn they were just being transferred to another servicing company for their accounts. I get no help or attention from the customer services nor any advice about how to help.   I have had to dispute abou t 8  different postings to my credit that were not even supposed to be there to begin with. Some of them have been repaired but I am still filing to get the others reconciled but I feel that even though they are reversed they still remain there as a reminder that I should have been more informed about private loans and done something different.     Date Disbursed Loan Program Original Balance Current Balance Outstanding Interest Interest Rate Monthly Payment Past Due Current Due  XXXX   XXXX / XXXX / XXXX  AADTC {$12000.00} {$18000.00} {$170.00} 6.500 % {$100.00} {$100.00} {$100.00}  XXXX   XXXX / XXXX / XXXX  AASC {$11000.00} {$22000.00} {$93.00} 11.750 % {$220.00} {$0.00} {$220.00}  XXXX   XXXX / XXXX / XXXX  AASC {$18000.00} {$32000.00} {$130.00} 11.500 % {$310.00} {$0.00} {$310.00}  XXXX   XXXX / XXXX / XXXX  AASC {$9500.00} {$15000.00} {$57.00} 10.740 % {$130.00} {$0.00} {$130.00} I do not know where else to turn or what to do. I guess bankruptcy that would definitely negatively affect my credit because they have given me no other alternatives.   XXXX   XXXX
i received a letter from citibank dated XX/XX/XXXXin response to the letter from citi ... over the years i have requested my credit report and have copies of all the reports received ... 
citi alleges they applied a payment on line of credit on XX/XX/XXXX and that is what they show reflected at XXXX balancethat account shows XXXX balance as of XX/XX/XXXX and was closed at my requestsee the attached credit report ... your letter states you applied payment in XX/XX/XXXXto an account closed as of XX/XX/XXXX with a XXXX balancei have attached various credit reporting statementssee the various dates and the different amounts sometimes you alleged it was written off other times you allege it is a balance due then you allege the difference was written offkravitz was unable to validate their claim when i requested after i returned to vegas and asked them to validate XXXXfyi ... improper service ... filing writ of garnishment 4 1/2 years later without due process addressing mail to generic employers and sending it out to who knows who and noting my entire social security number ... this violates several statutes including nrs 239since this i have numerous mailings addressed to my property of towing companies ... i.e online the names of these towing companies show to be repossessing cars ... and the people whose cars they are repossessing state it is being done illegally ... today dropped off a file to kravitz ... i do n't know what you and kravitz are doing ... if you 're cooking the books to mess up my credit i do n't appreciate
I believe that XXXX XXXX formerly know as Nationstar Mortgage company is operating in fraud. I have requested the original contract that gives them the right to collect this debt from me. So far, I have not gotten anything back. I respectfully request a fully refund when they can not produce this document. This loan was sold to them without my consent from another lender which makes this loan invalid.
I have a Hard Inquiry on my Equifax report on XXXX XXXX from XXXX. I believe this is from a XXXX XXXX card I ordered, however I was assured by XXXX that they would only perform a Soft Inquiry. I do not know who XXXX is and the only card I applied for in XXXX was XXXX XXXX XXXX XXXX.