WillisBack/dataset-financial-user-claim huggingface dataset:
When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.
I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted  Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm   XXXX   XXXX   XXXX   XXXX   held the debt,  Discover  transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called  Discover  again and informed them that nobody answered and I wanted to pay off the entire debt. The  Discover o perator told me she would call them and at that point hand me over in person. After  12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a  3rd time with  no answer. I then proceeded to the court house, in  XXXX   county, to get a  copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with  the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from  XXXX   XXXX   XXXX . I asked them what my next step should be and the recommended calling the Attorney  Generals Office Consum er Affairs. I called the Attorney  Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on   XXXX   XXXX   XXXX    . I 'm still standing here wanting to pay my debt and nobody is able to help me.
XXXX XXXX under a company called XXXX XXXX sent a credit card application with my name on it to an address that I do not live at and I have never lived there.
I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. Thank You!
I recently checked my experian report and noticed that Midwest recovery system located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX put a collection on my report from XXXX XXXX loan that has been paid off in XXXX. I have not received any information that there was money due and why was there a balanced on a debt i have paid off 3 years ago. I tried calling a few times and could not get anyone to give me answers. The web loan was paid in full in the amount of {$650.00} but on my credit report it says i have a balance of {$800.00} in collection which is frivolous and it date back to XXXX/XXXX/XXXX which is absurd.
Fraud occurred on my Chase credit card on XX/XX/2018 at the XXXX XXXX XXXX in XXXX XXXX XXXX, Florida for {$250.00}. The SAME DAY and the days before and after the charge, all my charges ( there were many! ) showed that I was in XXXX XXXX and the XXXX California area at the time ( where I live! ), more than 3k miles away!!!! I have never been to XXXX XXXX XXXX or the XXXX area in my entire life! could never have been at this spa. The spa doesn't even appear to be open : XXXX XXXX XXXX  Please help me get reimbursed for this charge. I reported it immediately to Chase and even got a new card when I reported the fraud so no more fraudulent charges could be made. And despite continuing to dispute the charge, Chase is still making me pay for the fraudulent charge. I have even filed a police report. What else can I do?
OnXX/XX/2019 I had my First National Bank of Omaha bill in hand ( due XX/XX/19 ) and logged in to my account to get a current balance to pay off my account. The balance online was slightly higher than my statement balance, and I paid that balance in full. 8 days later I received a statement from First National Bank of Omaha stating I had a balance of {$110.00}. I called and asked what this amount was, and was told it was interest. I told the Rep I paid my " current balance '' as of the day I paid it off, so I asked the interest to be waived. The rep I spoke to told me First National Bank of Omaha bills interest 2 months behind, and that what was on my bill was legitimate and owed. I asked why and how they billed in that manner, she said they " just did. '' She offered to reverse any late fees I'd ever accrued, to which I replied, " I've NEVER been late! My account is in excellent standing! '' To which she replied " Then I can't help you. '' Every other credit card I have ever paid off has had the current balance available online, or has reversed any interest that hit after payoff. 
I paid the amount shown online as my total balance due. If I paid that balance, represented as " current '' ( which was higher than my statement ), there shouldn't be any high dollar surprise 8 days later. I feel First National Bank of Omaha has found a way to rip off customers by doing this " late '' billing of interest.
On XX/XX/XXXX I received a letter from Weltman, Weinberg & Reis Co., LPA that they were attempting to collect a debt that I owed to XXXX XXXX XXXX for damages in the amount of {$5000.00}. I sent them a letter back denying that I owed this debt as I have never been summoned to court or had a claim filed against me. XXXX XXXX XXXX XXXX has given them information that this is their Claim NumberXXXX. I received a letter from XXXX about a claim about 2 years ago and it seems that a vehicle I sold was involved in an accident in Florida. I signed the title over to the purchaser but I forgot to remove the license plate, however the registration was expired at the time of the sale of the vehicle therefore the driver was operating the vehicle on expired license plates at the time of the accident. I explained all of this to the lady I talked to and thought that was the end of it until I got this letter. I do not owe XXXX XXXX XXXX any money so I don't know why they would turn me over to a collection agency. I also don't understand why these attorneys would attempt to collect a debt without proof that it is valid.
They have placed the account with the credit bureau 's 3-4 times on each of my credit reports. I called and asked for verification of the account because of amount and they continue to put it on reports now as if its new accounts.
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and Associate General Counsel XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement EXPERIAN XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.
On the morning of Monday, XX/XX/2018, I logged into my Wells Fargo online banking account. I have noticed that my credit card balance seemed to be going up at an almost exponential rate. When I reviewed the online transactions closer, I noticed that every credit card transaction for months had been doubled. For example, monthly storage payments in the amount of {$300.00} were doubled, streaming TV subscriptions for {$29.00} a month were doubled, and store purchases were doubled. I have screen-prints and hard-copy printouts of the transactions ( attached ). 

As of this writing I have not contacted Wells Fargo yet, as these kinds of issues have been going on with Wells Fargo for years ( including switching my personal to a small business account ). I have informed Wells Fargo of past concerns and they have not taken them seriously - routinely diminishing and discrediting concerns. 

At this juncture, I can not trust Wells Fargo to act with transparency and integrity to fix this and other issues. I must wonder if this is the same type of " computer glitch '' that has recently plagued Wells Fargo ( with respect to home loans ). 

I am asking the Federal Reserve and CFPB to take a long, hard look into Wells Fargo and their practices and most certainly a review of their computer coding/formulas is crucial at this point.
This is to document CITIBANK ( mortgage servicer ) and   XXXX   XXXX   XXXX   XXXX   As Trustee For   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   are acting in BAD FAITH in negotiating remodification with us.
<P/>  NEW EXAMPLE of BAD FAITH and BAD POLICY AIMED to guarantee foreclosure by CITIBANK and  XXXX   XXXX .  <P/> As of    XXXX   XXXX   XXXX   al l pertinent information  CITIBANK  required to send our file to underwriting was sent via email. In return, twice via email, on    XXXX   XXXX   XXXX   a nd again on    XXXX   XXXX   XXXX      we were told by our Mortgage Supervisor at CITIBANK,  XXXX   XXXX  that if any new document was needed by underwriting we would be informed.  <P/> On    XXXX   XXXX   XXXX      we were informed via email that CITIBANK did need an additional document.  <P/> HOWEVER, on    XXXX   XXXX   XXXX    we receive d 7 l etters from CITIBANK and  XXXX   XXXX  lawyers that our apartment was put into directly to auction/sale. The letter was dated    XXXX   XXXX   XXXX  .   <P/> This illustrates th at CITIBANK NEV ER intended to give us ample warning or time to comply. INSTEAD, without a Letter of Denial or any communication ( in a  timely manner BEFORE THE FACT ), that would allow us to comply, CITIBANK proc eeded to auction/sale.  <P/> NOTE :  XXXX   XXXX , our Mortgage Support Specialists is either away for illness or on vacation and is impossible to get in touch with as is par for the course with CITIBANK specialists who claim to be there to help but are rarely available and in this case, DID NOT inform us in a TIMELY manner that the bank needed a document.  <P/> On   XX/XX/XXXX ,  we spoke to one of  XXXX   XXXX  supervisors,  XXXX , and were told that the steps mentioned above were, in fact,  CITIBANK POLICY .  <P/> That mean that CITIBANK POLICY of informing consumers that a document is needed for underwriting AFTER THE FACT and proceeding directly to auction DEPRIVES the consumer of ANY ability or chance to comply. It is BAD FAITH policy and proves that  CITIBANK  and  XXXX   XXXX  have no intention of honest negotiation. Absent their directives/instructions, we can not know what forms are needed for underwriting unless we are informed in a way that gives us a chance to provide them before they proceed to sale.  <P/> This so-calle d POLICY not only sets the consumer up for failure as a matter of course, also seems designed to add tremendous stress to an already stressful situation. This POLICY i s designed to proceed directly to auction.  <P/> The requested documents were duly sent to  Citibank  on   XX/XX/XXXX .   <P/> NOTE : We WANT and are ready to remodify our mortgage to stay in our home. We can not do this if  CITIBANKS POLICY is s et against the consumer, and whats more, that policy is based upon being dishonest. CITIBANK claims we are non-compliant by not providing the document and YET they had already put our home up for auction/sale (   XX/XX/XXXX   ) BEFORE informing us that document was needed  (  XX/XX/XXXX   ). How could we possibly comply?
Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against bank of america who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from BOA and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but BOA does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all.
As an ebay XXXX, I have been dealing with receiving payment from PayPal for about 20 years. The money was always available the same day the customer placed the order and paid wih their PayPal account. Suddenly recently they are ho, lding my payment for from 7 business days to 2 weeks. This does not seem to reflect appropriate fiduciary responsibility to me. Can they hang on to my money for 2 weeks legally?
I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT.
XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.
I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly