WillisBack/dataset-financial-user-claim huggingface dataset:
When my loans were sold from  XXXX   XXXX   to Navient, I was  on a 10 year repayment plan.  Navient reset   me on a 20 year repayment plan. When I called to reset it to 10 years, they told me this was not an option for my loan. I will be paying a lot more interest in those  10 extra years.  I did not want to repay over 20 years. They made it difficult to understand why this was the case.
We purchased our new home in XXXX 2015. We later found out, almost 1.5 years later, that our home resides in a special tax assessment area called the XXXX XXXX XXXX XXXX XXXX ( XXXX for short ). This XXXX carries with it special tax burden that was not explained to us nor was it disclosed in the residential mortgage loan application, the purchase contract, the deed of trust, the truth-in-lending form, the good faith estimate, or any other legal document that such a property tax should have been disclosed in. The tax ultimately amounts to approximately {$53000.00} over the life of our 30-year mortgage, and the yearly assessment is expected to go up 2 % each year until the entire amount is paid in full. Many residents have contacted various entities involved with disclosing this information, such as the developer, XXXX, the home builder XXXX, the settlement company ( a subsidiary of NVR Mortgage ) and we have been very disappointed with the responses from each individual party.
XX/XX/XXXX CFPB : At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of 24 hours, the JPMChase Texas Mortgage Servicing Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-pointpen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents,  in sealed, nested, re-sealable thick-walled transparent plastic bags. I demand, that JPMChase immediately send me the Originals of those XXXX Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
I filed a complaint and dispute with Synchrony bank at the time of the fraud it was GE capital. I have won the dispute and i can not get the refund. I was told that everything charges and fees have been credited to my account back in XX/XX/XXXX. It is now XX/XX/XXXX and when i ask as to where my refund is I am now being told that they need copies of all the checks proving that i made the payments. This goes back to XX/XX/XXXX and i have been fighting this dispute for 6 years. The amount owed is close to {$2000.00} and i want it now. 
I have XXXX XXXX XXXX and XXXX XXXX. I can not chase around to find all of this. they also stated it would take 6 to 8 weeks to get a refund that was approved back in XXXX. 
Every time I call for the status i get transferred at least 5 ( FIVE ) times  and no one can see that i have a credit they just see that my dispute was accepted and i have won my claim.
I use MoneyGram to send money to my relatives in XXXX ( XXXX XXXX ) several times per year. My most recent transfer was on XX/XX/2018. MoneyGram promises a free phone call for the sender to inform the recipient about the transfer and to give the recipient the " Reference Number '' for the transfer. When I was about to make the free phone call, I noticed that my receipt did not show the information for the free phone call. The XXXX # plus the PIN that's needed to make the phone call were missing. 
The MoneyGram Receipt Jacket has printed instructions on how to make the phone call, and includes the MoneyGram Customer Service phone number. I called the MoneyGram Customer Service phone number to get the PIN number so I could complete the free phone call. I spent more than 15 minutes being taken through several menu items, none of which applied to my issue. When I finally got to speak to a live person, he informed me that I had the wrong number. He gave me a new number for MoneyGram Customer Service ( different from the customer service number on the receipt and on the receipt jacket ). The person who responded to this second number, told me that he could not give me a PIN number, and that I have to go back to the agency ( XXXX XXXX   ) where I made the money transfer. 
When I contacted XXXX XXXX, they said they do not control the giving out of the PIN numbers, or what's printed on the receipt. All this is controlled by MoneyGram. XXXX XXXX took my information and contacted MoneyGram for an explanation of the situation. XXXX XXXX told me that MoneyGram informed them that they had discontinued the free phone calls from XX/XX/2018. However, I found this to be untrue because I sent money from the same agency on XX/XX/2018, and got the free phone call then. There was no notice that the free phone call would be discontinued. 
I find that whenever I need to contact MoneyGram Customer Service, they usually provide false information. They usually give the customer the run-around to avoid taking responsibility for solving a problem. If MoneyGram does not improve on the way they treat customers, they should not be allowed to continue doing business. I pay them {$9.00} to send {$150.00}, and they pay a very low exchange rate in the destination country. So they are making money on both ends. At least, if they discontinue the free phone call, they should have the decency to be upfront with that information, and not mislead customers.
XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.
I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop
Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.
This has been going on for about 6 months. I pay all my charges off as soon as they are charged. I have spoken to several representatives and 3 supervisors. All stated they would get this taken care of. One supervisor placed a hold on interest on the account for two months but then it started back up again. A representative in XX/XX/XXXXtold me it was because an email had not been sent to their billing department. But that did not change anything. I have a promotional offer as well as the charges I make every month of zero percent interest for 18 months which does not expire until XXXX 2018. I pay about 9 times the minimum amount on this every month. 

I have even been told that because of the promotional rate ( representative ) that it cancels out the grace period on purchases which is illegal. 

I am tired of calling every month and getting a different story and being on hold to speak to a supervisor for half an hour at a time to be told they see what 's happening and it should not be happening, and it will be fixed, only to have to call again the next month.
On XX/XX/XXXX I sent a certified debt validation letter to common wealth financial company asking them to verify the debt they claimed I owe. They in return sent me a letter back stating to dispute the validity of the debt. I in fact had already done that and they didn't send me proof that the debt in question actually belonged to me.
XXXX Barclay , XXXX and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days.
I have filed two complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. 

They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information to my daughter XXXX. My daughter is NOT on a co-signer on any of my business or personal accounts and does NOT have the right to know my personal information. 

I am filing a 3rd complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality and wont even address my complaint with the CFPB. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX VIOLATED MY PRIVACY RIGHTS This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He filed a formal complaint for me. 

XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK. 

Thank you.
These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
On XX/XX/XXXX we got a loan at XXXX XXXX that was to provide the means for an addition to our house. XXXX XXXX insisted that we get A-Pick-A Payment loan. 
Since it was to construct an addition, payment would be low in the beginning, and then when finish we could refinance to a fix loan. Our loan balance at that time was {$190.00} and the loan we requested was for {$200.00}. We bought our house years before for {$390.00}. 
I got a permit from the City of XXXX XXXX to do a new master bathroom and master bedroom, also we put a new roof. 
In XX/XX/XXXX I went to XXXX XXXX to get a new loan, to my surprise, the friendliness I always received, was not there, not from the manager or employees. When I question a friend of ours, she worked as a cashier, she told me : '' We can't talk ''. 
A man came from the back office and gave me a piece of paper with an XXXX number, and he said : " Call this number ''. That was it. 
When I called that XXXX number that is when I heard that XXXX was the new owners of my account. Later it took me 3 years to communicate with XXXX to explain my dilemma, at the end, they denied any kind of help, based on the fact that my loan was too large and I didn't qualify. Indeed it was growing due to the fact that it was a Pick-A-Payment loan, and we couldn't afford to pay a full amortization. In the meantime the whole Country was having an economic crisis, people leaving their homes not able to pay their mortgage. 
Eventually XXXX also collapse and had to sell to Wells Fargo, for pennies. 
In My contract, that I still have with Wells Fargo, there is a page with the name of RESPA. RESPA places a a section destined to protect the consumer and it is : MORTGAGE SERVICING TRANSFER DISCLOSURE, IT EXPLAINS THAT i SHOULD HAVE HAD, A WRITTEN NOTICE 15 DAYS PRIOR TO THE TRANSFER. 

Wells Fargo has avoided my direct complaint, explaining that I signed a contract and that I knew all the facts. But in my complain, specifically explained that XXXX XXXX committed fraud, by not disclosing the sale as our contract stipulates. 

Wells Fargo has now a record of doing illegal things, Wells Fargo gave California XXXX XXXX dollars to help, people like me and the Pick-A-Payment loans. 

I am only an individual pressing for my rights, XXXX XXXX committed a crime with so many home owners and I am still trying to find justice, please help. 

Wells Fargo in their response letter dated XXXX XXXX ( enclosed ) Origination concerns about account number XXXX Wells Fargo is changing the words even though it is all written down. 
" I did not say that XXXX XXXX committed fraud, because they did not disclose that the loan was a Pick-A-Payment loan.- This is false. 
Also, '' that I was not informed that my loan could be sold to another bank '', that is also false. Wells Fargo has now interpreted a false story formulated to confuse. 
.
In short, MyFedLoans changed their policy regarding applying for Income Based Repayment this year. They began requiring non-borrower information and tax returns. Further, they did n't train their representatives well on how to explain the new policy to customers, and then capitalized THOUSANDS of dollars of interest increasing the total amount that is daily compounding interest on the loan. I know that this is not just my situation, but that of tens of thousands of borrowers. They have also refused to answer correspondence though I have called over 10 times and submitted online complaints 5 times. This will add over 2 years to my repayment and takes me back to square one. It is also in direct violation of the Student Loan Borrower Repayment Rights in several key areas. I have never fallen behind, thankfully, but instead of them processing my paperwork, they also forced me into forbearance for another two months while they figured out my paperwork, resulting in even more interest to be capitalized. Ultimately, my paperwork was accepted and my student loan payment went DOWN, but this is very demoralizing to student borrowers and will keep them in repayment for far, far longer than is reasonably necessary ( for those who have the desire to actually pay off their debt ). And, for those who can not reasonably expect to, it will increase the amount of their tax liability when the remaining debt is discharged. This is unethical, immoral, and simply counter to established loan servicing guidelines.
I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.
( XXXX XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
I was a victim of identity theft in XX/XX/2015. Someone opened XXXX new phone lines and purchased XXXX iPhones and there was an attempt to purchase XXXX additional lines at another retail store but the clerk did not fall for the fake ID. I disputed the inquiries and accounts and placed a security alert. Both companies involved investigated and it was determined that someone had used my identity to make the purchases. I received letters from both companies and forwarded them to the credit reporting agencies and I believed everything had been removed. Recently I realized that XXXX XXXX XXXX is still reporting a hard inquiry on Equifax. I again disputed this and received a notice from Equifax that this was investigated and determined to be factual. I have a letter from XXXX XXXX XXXX specifically stating that it was determined that there was fraud and that XXXX XXXX XXXX had also notified all three agencies to remove any negative information from my credit report. I do n't understand the investigative process ... ... ..I am forwarding the letter from XXXX XXXX again to Equifax as I do n't know what else to do. I wonder if they even investigate at all. This all happened over a year ago and I am still having to deal with this.
Transunion fail to delete a negative account older than 7 years. Moreover, the account has been sold and the statement from TransUnion determines the account is been verify but has been sold according to the original source.
On several occasions I have sent repeated letters requesting that the information on my credit report be removed due to Identity Theft but to no avail.The company has not removed the information from my report. XXXX XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX is on my credit report and they all are from the XXXX Identity Theft account a Student Loan that I did not sign off on or give anyone permission to do so.
I recently went online and checked my credit report and found several items on my credit report that were fraudulent accounts and addresses. I filed a police report and contacted the companies but had no resolutions. Below I will list the company and address on my Experian that are incorrect. 

Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Open:XX/XX/2018 Account Balance : {$300.00} Experian fraudulent address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( never been associated with this address )
Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to IQ Data to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.