WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.
I opened a new checking account on XX/XX/18 at XXXX Compass bank in XXXX XXXX. 
I was waiting for my new debit card to come. I recieved in mail my welcome to online banking letter and a letter with my pin # in it. But no debit card. I had set up online banking and a phone app at the branch the day I opened account. I noticed I couldnt log into the phone app for my banking so I called the bank to ask about my card and the app not working. The bank informed me that the debit card had been activated and my account had been cleaned out in a day. Several transactions had been done. 
The bank also asked me if I had called to change my # and email. I told them that I had not done this.No one from banks security ever called me to see if I had for a new account. 
I then followed the banks instructions about filing a police report. Filing a mail theft report with the postmaster online. 
Also I filled out fraud dispute forms with the bank about any transactions starting XX/XX/18 that were not mine. all from that date were not mine. 
The bank has informed me that they will not refund my money that they allowed to be stollen. They said normal use on account. Its a new account and I had no debit card.How could there be any normal use established yet.? 
Fraud department also mistakenly emailed me another banking clients personal dispute info. I would think they would check name before sending a clients personal banking info to someone else. But, if they allow criminals access to my money then obviously not very perfessional. 
XXXX has acted negligent in keeping my money safe and taking security precautions to ensure that and now are refusing to refund my money from new account. 
Someone please advice and help. Single Mom XXXX
I have disputed the XXXX XXXX XXXX on my account multiple times because it is due to identity theft and i have stated that numerous times in disputes to no resolve. This needs to be taken off my credit as it was identity theft. It says closed XXXX XXXX, 2015 and amount being {$1000.00}.
Doctor billed wrong insurance and called them. I was on XXXX and they bill my old insurance.. The Doctors office said at the time it was taken care of. In the coarse of getting a home loan, my credit was ran. The collection was on there twice under two different names of collection agencies. Both refused to remove when report. We sent in dispute with the credit report and finial one of them was removed. Reached out to collection agency because the doctor is dead. The doctors office can not fix the error. They will still not remove and has cost me so much money, time and stress. I do not owe this and they said even if I paid them they will not remove it. They have been rude and degrading to my lender, mortgage broker, real-estate agent and myself. laughing and hanging up on us.
XX/XX/XXXX To : Navient Cc : EU courts In response to your E-correspondence # XXXX, XXXX, XXXX and " 5.Lender 3 rejection.pdf '', I request that you put this loan in extended forbearance to give EU courts time to handle this case. The extension of three months is not enough time and, as you, yourself, stated before, the XXXX University XXXX XXXX ( XXXX ) lost its U.S. accreditation in XXXX. As of XXXX, MUL is not on the list of approved schools ( see the XXXX list ). Hence, the deferment option is not possible. 


In this letter, I want to also shed some light on the U.S. student financial aid system for EU courts. You wrote on XX/XX/XXXX : " We are not able to respond to any information or guidance provided by a customer 's school, financial aid advisor or other financial advisor. '' and then you argued that the student and its co-signer are responsible no matter what. 


For this loan to be processed and approved, by Sallie Mae Bank ( represented by Navient ), the signature of the school was required on a document called " loan certification ''. This flaw in the system allowed the school to demand, mis-guide and force the student to inevitably select Sallie Mae Bank. Although Sallie Mae XXXXNavient repeatedly claimed that they had no role, it is not credible. 


I and other students did prefer and did request for the better options delineated in your letter dated XX/XX/XXXX. Since it was only the school that could make the final decision, Sallie Mae Bank was the only option. 


It appeared that Sallie Mae Bank had signed an exclusive strategic deal with XXXX, which in turn was used to pressure students to buy this loan or face expulsion from the school. 


As for your reports sent to U.S. Credit Reporting Agencies, to threaten me and the co-signer, they are invalid, as this transaction happened outside of U.S. Territories, as per responses from the Consumer Financial Protection Bureau in the USA. 



Regards XXXX XXXX
XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.
From XX/XX/XXXXto XX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXXthat any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower.
I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from XXXX XXXX.
I purchased the car in XXXX at a purchase price of less than $ 10K. Santander repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. Santander needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. Santander also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
I received a phone call and voice mail on my cell phone on XXXX XXXX, XXXX at XXXX am. The caller ID number was XXXX and my phone tagged it as suspected spam. The voice mail stated that they were looking for my adult son and it had something to do with an address he lived at 2 years ago. The caller mentioned federal law and proceeding after two attempts. I did not return the call and blocked the number. XXXX XXXX at XXXX am a call came in on my cell phone with no caller ID. It was the same person asking for my son. I said that he could not be reached at this number and I hung up as I was waiting for someone to call and loop me into a conference call at work. He immediately called back. 

I do not owe any debt to this company and I should not be harassed like this over a debt that someone in my family may or may not owe.
I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home.
I paid off my vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.
Ever since my XXXX student loans came due in XXXX 2015, Wells Fargo has consistently misapplied my full amount payments to only XXXX or XXXX of the loans, and then charged me late fees for the remaining balance. This has happened whether payments were made in a branch, through the app, or over the phone. By the time I discovered these mistakes made by Wells Fargo, late fees had already accrued. These late fees have not only caused a lot of hassle, they have also caused significant drops in the credit scores of both me and my parents, because when these " accidents '' are made, and account are mistakenly shown as past due, this information is then forwarded to the credit reporting bureaus. 

Additionally, because over XXXX loans, my interest averages out to a little over 10 %, I applied for a modification in an attempt to lower my monthly payments of {$890.00}. I was informed that, along with my parents as cosigners, we made too much to qualify for a modification. We then went through the process of applying for a student loan consolidation. After Wells Fargo lost my parents ' submitted information multiple times, we were finally denied the consolidation by receiving an email informing me that I still required a cosigner to qualify. When I called to ask if this was a mistake, as I had submitted my parents ' information multiple times, they informed me that, between my parents and I, we did not qualify for a consolidation, not only because our credit scores had dropped ( in no small part due to misreporting accounts as past due, when they had, in fact, been paid ), but because we did not make enough. 

As of this morning, I received an email from Wells Fargo informing me that I was past due on XXXX of my XXXX accounts. This last month, in an attempt to avoid any issues with Wells Fargo for the first time in over a year, I made my payments two weeks early, through the app, and paid on each account separately. After a fifteen minute phone call, I was informed that, once again, a mistake had been made by the app, and the payments were only applied to XXXX of the accounts. The person I spoke with assured me, as I have been assured every month for the last fourteen months, that a flag would be placed on my account so that a person would manually make sure that my payments would be applied correctly. 

Wells Fargo has just settled with the Consumer Financial Protection Bureau for misapplying student loans payments so that they could charge more late fees, even when payments have been made properly. At this time, I currently have an outstanding balance of {$88000.00}, with {$220.00} in late charges. I do not look forward to having to call Wells Fargo again in XXXX when they most likely " accidentally '' misapply my payments for the fifteenth time.
I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.
I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.
I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?
XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXX ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX/XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from Experian - " The information disputed has been verified as accurate. '' I spoke with Experian on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX/XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to Experian and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why Experian can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from XXXX dated XX/XX/XXXX - didn't change anything - " verified as accurate ''
I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?
I made a settlement arrangement with Midland on an old XXXX account. They agreed to accept a settlement of 40 % which I paid to them. They did not remove the balance on this account. 

This is false representation