WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan is over 25 years old. I defaulted in XXXX and resumed payments in XXXX. I have made over {$37000.00} in payments. My contention is that I no longer owe the Federal government any money because the amount they paid to the loan originator, as the guarantor, was about {$19000.00} - I believe I have paid what I owed plus a lot more. The government does not agree with me. In XXXX I was told that what I owed was {$24000.00} ; they did not include a breakdown of the amount, i.e. what was the actual loan amount, capitalized interest, and, what I have subsequently learned, was additional fees and costs that they could collect. I also had a wage garnishment in XXXX so I decided to start paying. I did have deferments which capitalized more interest and now my debt to them is over {$28000.00}. Also, when I started repaying the loan in XXXX, the government could have just charged me the 3 % interest rate that was in effect - instead, they went for the full 8.25 % that was the top rate. I guess they felt they were doing me a favor b/c my original rate was 9 %. WHEN does this end? I have contacted a student loan ombudsman and was told that I should just continue with the PSLF program I am now in. I want to ask the servicer to verify the loan and that I owe anymore money to them. The XXXX agreement also ddi NOT include the wage garnishment so I have no idea if that was actually credited to the payments I made in the XXXX. I recognize I did not act responsibly when the loan was originally due but now feel as though I am being punished by being made to pay way more than what the government paid as guarantor for the loan.
I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.
Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.
On XX/XX/XXXX, a check was deposited that made my business checking account go negative. On XX/XX/XXXX, I used my business checking debit card several times, but that evening I signed into my account around XXXX XXXX and transferred enough money to make the account positive ( covering both the check and the additional charges ) according to the balance shown on my screen. However, Umpqua Bank believes that I signed in on XX/XX/XXXX at XXXX in the XXXX, meaning the charges from XX/XX/XXXX were all subject to overdraft fees. I did not sign it at XXXX in the XXXX, as I was sleeping ( and have witnesses who can confirm ). In addition, I also would have transferred sufficient funds to cover my overdraft fees if I had seen those on my account, since when I signed in, I transferred the amount the bank was showing me, and thought my account was brought current. The next day, on XX/XX/XXXX, I used my business checking debit card again, and knowing my balance was very low and it was likely relying on overdraft protection, I again signed in later in the day and transferred an amount sufficient to bring my account current ( or so I thought ). No overdraft fees were shown from the use of my debit card. It was not until XX/XX/XXXX that I signed in and saw the overdraft fees listed for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These additional fees meant that according to the bank, my account was in the negative for days that I thought it was positive, and each instance of my use of my card during those times accrued another overdraft fee which did not show on my account for several days. If I had received an accurate account balance and if the bank had showed my overdraft fees at any time when I was signing in on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, I would have transferred enough money to bring the negative balance positive and avoided all of the additional charges. I contacted the Downtown XXXX XXXX of Umpqua Bank on XX/XX/XXXX and spoke to XXXX XXXX, who said that Umpqua Bank is not responsible for showing an accurate account balance via their online banking portal and that the bank would do nothing further nor refund these charges.
As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.
As of XXXX17 ' I made a transfer of {$4300.00} to my Coinbase account. The withdraw was from my XXXX XXXX. Funds, USDT, were transferred using my Bitcoin Address. Copy pasted the BTC Address : XXXX for me to transfer the USDT over to my USD Wallet on Coinbase. The transaction went through but I only received XXXX cents, still pending status, in BTC ( XXXX BTC. ) The transaction is here for anybody to see by clicking the link below. When going on the XXXX website, please copy paste the BTC Address, shown above, to view the current balance. The balance shows the XXXX cents in BTC and the rest of my funds in USDT. The funds are still there but without the Private key I can not access my funds. Coinbase, under their terms and condition, states that the private key is held by them and is not to be handed out due to privacy concerns, to which I understand. However, the address is my address and nobody elses. I understand if I sent the wrong funds to the wrong address and I am asking the for the private keys to the other individuals address, ultimately asking for their bank account information, however this is my account and my wallet so this should be a feasible task for coinbase. I tried another transaction to the same address and my {$10.00} in BTC came to my account without an issue, so I know I still have access to my account.
Public Transaction XXXX XXXX XXXX XXXX XXXX
I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.
D. Scott Carruthers XXXX XXXX XXXX, XXXX, CA XXXX This office, specifically a man named XXXX XXXX has been calling my work, my Manager, my boyfriend, my sister, my other relatives and my cell phone non-stop leaving messages and trying to locate me by asking ways to get contact with me and leaving messages with them, for me to contact the " Attorney Office '' as to make it sound like I am facing a legal issue. This is very embarrassing, especially because I work at a University and hold a professional position. I have sent a certified US Mail to his office asking him to Cease and Desist all phone communications to all the numbers he has, and all communications must be done through US mail. That was dated, XXXX XXXX, 2016. Since then up until today, he continues to call. I made one last call to his office on XXXX/XXXX/16 and spoke with XXXX, I said, " XXXX I am asking you to stop calling my work and all other phone numbers you have on file, this is harrassment. I want all communications via XXXX Mail. '' He said, " I did. '' Then I said, " I also sent a Certified Letter on XXXX/XXXX/16, requesting you to Cease and Desist. Goodbye ''. In the letter told him how he has harassed and embarrassed me. He has caused me to suffer severe humiliation, emotional distress and physical discomfort. XXXX. He has violated the FAIR DEBT COLLECTION PRACTICES ACT & THE XXXX FAIR DEBT COLLECTION PRACTICES ACT since I live in the State of California.
Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.
Opened a Capital One XXXX Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to XXXX 2013 XXXX 22 month ) I have been charged $ XXXX/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX , XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
There is a XXXX attempt to change or add an address in a state I am not currently living in since 2008. I tried to file previously online and never hear anything in response and it 's still showing. Now there is a XXXX address. How is this even continuing? Why is n't there better protection or trust for the honest?
XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.
My wife and I visited XXXX  XXXX XXXX to purchase furniture for our new home. During the furniture selection process, salesperson talked about financing options. We declared before we started the selection that we intend to finance the furniture and take advantage of 0 % financing. 

Our total came to about {$9000.00} and we were excited to get the finance. I completed the XXXX  XXXX  application and I was approved for financing. When I received the invoice, the total was about {$14000.00}. When my wife and I tried to understand the difference in the final bill, the sales person told me that we would not receive any published prices because I am financing. 

Since we had spent 6+ hours picking furniture, I decided to find an amicable solution and make the purchase. 

When I arrived home, salesperson had accidentally sent me a previous invoice which should the advertised price. We had purchased some floor models which were 50 % off and marked on the floor accordingly. Please review attached multiple invoices with the same same items, but different prices. 

The invoice associated with financing the prices were changed for most items - {$490.00} chair was {$590.00} ; {$120.00} floor model lamp were {$240.00} ; {$120.00} dining chairs were {$290.00} ... 

People at store and their guest service line, explained that this is agreed with Synchrony rules and guideline.

If such agreements exists, I am convinced that Synchrony and XXXX is conspiring to overcharge customers. If such agreement does not exist, Synchrony is not inspecting how their deal is abusing the funding made available to the customers. 

I shared my experience with XXXX  XXXX and they asked me to work with the store. 

When my wife and I were at the store during the selection process, we overheard two couples with similar complaints. 

This must be reviewed, and addressed.
I cancelled my hazard insurance policy ( Policy No : XXXX ) with XXXX on XX/XX/2016 because I found a better policy. The policy was active from XX/XX/2016 XX/XX/2016. The balance for this month was {$92.00}, which I paid on XX/XX/2016 ( confirmation no : XXXX ). XXXX took the money out of my XXXX account on XX/XX/2016. They then sent me another bill on XX/XX/2016 for the {$92.00} that I had already paid. I spoke with XXXX @ XXXX and faxed to her a copy of the confirmation receipt that XXXX emailed to me ( fax no : XXXX ). I thought everything was taken care of but on XX/XX/2016, I received a letter from Receivable Management Services ( RMS, a collections agency ) stating that I owe {$92.00}. I called XXXX and spoke with XXXX. I then called RMS and spoke with XXXX and emailed her a copy of the same receipt I sent to XXXX + copy of my XXXX statement showing the payment. I called XXXX and demanded to speak to their XXXX, XXXX. I left him a voicemail but he did not call me back. I followed up with XXXX on XX/XX/2016 and spoke with XXXX She stated that my account was " closed as of XX/XX/2016 '' and that no balance was on the account. The date did not make sense but I was satisfied hearing that my account was closed. BUT on XXXX, I received a call from RMS Collections, this time from XXXX, stating that my account was not closed and that I still owe {$92.00}!!!! This company is harassing me for a balance that was PAID IN FULL. RMS Collections has the ability to report this bogus claim to the credit bureaus and I have plans on refinancing my home in a few m months. I have attempted numerous times to speak with the manager at XXXX but nobody is calling me back.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax has been negligent in handling this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

A company that can not properly handle sensitive information should not be trusted and consumers should not be responsible for rectifying the issue.
1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
After our county being declared a natural disaster by XXXX and the president after hurricane Florence Capital one auto finance has refused to defer any payments for any length of time. They give you payment options and that is all. We can not agree to any of those options when we do not know when we are able to get back to work due to severe flooding around the whole entire county.
On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.
My loans were originally through XXXX XXXX XXXX ( XXXX ) which I believe to be a branch of XXXX XXXX XXXX. ( I got all my loans through XXXX XXXX. ) I have faithfully paid my student loans for the past ten years. I received information in XX/XX/XXXX saying that Navient would be buying my loans. I did not receive a reason. I did not receive anything that asked me if this was okay. I simply received a letter saying that Navient would be buying my student loans. I called XXXX  to find out what was going on only for them to tell me that they would still be servicing my loans and not to worry about it. On XX/XX/XXXX, Navient sent out a letter to me saying that they tried to mail me documents that were sent back to them. My address has been unchanged for five years. XXXX has had no trouble contacting me. Not only that but I then received a bill and a past due notice from Navient Dated for XXXX. I had already paid my XXXX bill which still has my loans on it. When reading the Navient bill, I discovered that Navient only purchased one of my loans, not all. Which was not stated in any correspondence from them. I called AES and they were very dismissive and arrogant. Upon calling Navient on XX/XX/XXXX, they informed me that I would no longer be paying XXXX for that loan, which I know is a lie. They demanded that I pay them. And said that they updated my address on XX/XX/XXXX of XXXX to my address. I have no idea what address they had. Clearly something shady is going on here. I am not going to pay Navient when I have already paid AES. I still do not understand why they would buy a loan I was paying on. I had not defaulted on it. This seems like a way for them to make up losses for court cases they have lost in the past. I am refusing to deal with Navient or give them my personal information because I was not involved in the process of them buying my good loan. Thank you, XXXX XXXX
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.
I have about {$90000.00} just in private student loans. I have XXXX private loans with different interests rates which is about {$900.00} a month just for my private loans. I have federal loans with Navient as well and those are about {$300.00} a month with a total of about {$1200.00} a month just for student loans. I have let Navient know multiple times that I am not able to afford that amount of money a month and they refuse to work with me to lower my payments. They have insisted that I am at the lowest payments. They have suggested that I put my loans in forbearance and did not let me know that I only have a certain amount of times for my loans to be put in forbearance and that when they put it in forbearance they tell you it 's for 3 months, but do n't tell you that they will back date your account that three months so it really only ends up being 1 month of no payment. My private loans have lowered my credit score by XXXX points. As of right now they put me on a 15 month payment plan and they say that after 3 months my account will be " current '' and my credit score will go up. I only agreed because I am concerned about my credit score and they refused to lower my payments without me being on a payment plan. These loans have been very stressful since I 've graduated. I am not able to consolidate my private loans and when my federal loans were consolidated they split it up into XXXX lump sum loans instead of one loan. With my credit score being lowered due to this that will hinder me from purchasing a home, car or anything else. Student loans and Navient have ruined my life.
I have received many calls from this same company from multiple different phone numbers which come from multiple different states as well who asks for someone else when I answer then continues to argue with me & gives me private information about the other person in attempt to get me to identify them or their whereabouts as well as other information about their person & debt. I explain that I do not know about and have absolutely nothing to do with the debt that is discussed as it is not mine. They continue to argue with me and call even though I request they do not. Typically they will hang up when I threaten to notify my attorney of this harassment not related to me or my debt. 

XXXX ( XXXX ) XXXX 4X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days I deleted all other call records on my actual phone but they are on my phone record online.
I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
On XX/XX/XXXX, I wrote to XXXX and Equifax to get a Federal Tax Lien dating back to 2010 removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a  change to my credit report.
A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.