WillisBack/dataset-financial-user-claim huggingface dataset:
Received three mailings from XXXX, The XXXX XXXX XXXX at the end of XX/XX/XXXX. One stating account is delinquent, one with a Final Settlement Offer and one a statement copy. Account number XXXX. Called XXXX on XX/XX/XXXX and spoke with XXXX. I advised that I had never had an account with XXXX. She asked for the last four of my SSN and confirmed that I am not the person they are looking for. 
Received another mailing dated XX/XX/XXXX from XXXX Administrative Offices, XXXX XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX XXXX XXXX XXXX XXXX on XXXX Credit Card account. Called XXXX on XX/XX/XXXX and spoke with XXXX. He could n't find any record. Sounded clueless. 
Two phone calls now, one on XX/XX/XXXX from XXXX, voice mail stating I needed to call. I did n't. Another call today and my XXXX year old mom answered. Rude gentleman stating I needed to call. Claims he is from some Recovery service. Same number XXXX. 
I do n't owe XXXX anything. I 've never even set foot in a XXXX store. 
I want whoever this is to stop calling and harassing me. 
The calls upset my mom.
In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.
During the time I acquired a debt with XXXX XXXX unfortunately I was XXXX ill and was unable to meet my obligations.
We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.
In XXXX of 2018 I opened an American Express Delta card after receiving an offer for XXXX miles. Since Amex has rules about the bonus I asked two reps over chat if I were eligible and both said yes ( I will attach screenshots. ) Based on this information I got the card ( lowering my credit score ), met the needed spend ( that Amex would not have gotten ) and never received the bonus miles. I asked about this and Amex opened an investigation. When I called a supervisor told me : - First that I had the card before ( I said I asked two chat agents ) - Then he told me I didn't meet the spend requirement ( but after some math, he saw I did ) - And finally that Amex just decided not to give me the bonus. He also said that what the reps told me is meaningless and offered nothing. 

He clearly had no idea. I don't understand how they can decide AFTER I get the card and AFTER I specifically asked their employees in writing if I was eligible to not honor the offer!
I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.
i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step. 
the only inquires that should be reporting on my account should be : XXXX
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.
I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.
I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?
I started using a new card with American Express called the Every Day card. I have been using their gold card since 2001 and paid on time. I always pay my bills at the first of the month and assumed that would be the due date for this card. Yesterday when I went online to make the payment, I noticed the due date had been on XXXX XXXX instead of XXXX XXXX. I had been charged a {$27.00} late fee. I called the company and requested the fee be waived. They denied my request. I believe this request is reasonable and American Express has always been great to work with in the past on billing disputes etc.
Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.
XXXX XXXX I pulled my transunion credit reports and the other credit reports after being denied a loan XXXX since this time I have been trying to get my credit inquiry on XXXX from XXXX  ( membership I never requested ) and aka XXXX XXXX XXXX XXXX No response I want to know who signed me up for this membership that monitors transunion credit reports. 
I had Transunion XXXX  XXXX  XXXX XXXX XXXX auto XXXX  TRANSUNION XXXX on my reports twice All these companies doing inquiries done All this done in 1 weeks time from XXXX thru XXXX
I am a medical resident and I have a number of federal loans being serviced by MyFedLoans.org. By law, I am able to defer my loan payments until I am done with residency. In order to do this, I have to fill out a form showing that I am in a residency program and send it to MyFedLoan. I am doing this, but MyFedLoan is systematically making it difficult for people like me to submit these deferment or forbearance forms. At first, they only provided a fax number - and would then tell me they didnt get my fax after I sent the form. Then, they provided a file upload page on their website, but the forbearance form upload section doesnt work, it just times out. Now, I am trying to use an email, but I have had mixed success with this in the past. MyFedLoan is trying to collect more fees from people like me by saying they did not receive our forms and that our payments are late, and then they charge us higher interest and fees. Can you please investigate this? 

Note : if you go on MyFedLoan 's website right now and try to upload a consolidation form, it uploads in a matter of seconds. If you try to upload a deferment or forbearance form, it times out after 5 minutes.
I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.
In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days.
I graduated and consolidated my loan started paying on my loan consistently starting  XXXX   XXXX . Never made a late payment.  XXXX   XXXX  -I called  Navient  to get information on the  Public Service Forgiveness Program a coworker mentioned to me the program   existed. The representative from m Navient  explained to me the stipulations, terms of the program are the following- to pay on time  120  payments and work for a non profit organization. She checked my employer  {  same employer I have had since  XXXX  }. Stated the employer meets the criteria of non profit. I asked if Navient would consider ALL my payments I have made since  XXXX   XXXX . She stated yes they would go as far back as  XXXX   XXXX  and consider those payments toward the  120 p ayment that are required. She stated to continue paying as I have. Since, I am approaching th e 120 p ayment mark I started the process to forgive the loan. I contacte d Navient fo r information  XXXX   XXXX . They directed me to Department of Education. I spoke with a representative there who directed me to get the form online. I completed the application and employer validated. I sent in the form early  XXXX   XXXX . I just received  XXXX   XXXX ,  XXXX  the denial letter with the reason being based on the type of loan. I called  Navient   XXXX   XXXX ,  XXXX  spoke wit h two  representatives who apologized for the miss communication but made no effort to come up with a resolution. I spoke with a supervisor at  Navient w ho mentioned he would file a compliant on my behalf. He stated with the compliant I  " may ''  be able to have my previous payments considered. All reprentsatives at  Navient  mentioned I would still be able to qualify by consolidation and paying for anothe r 120  payment. I spoke  XXXX   XXXX ,  XXXX  to a representative from Department of Education. She stated the full process of what needed to be done. I needed to have consolidated as a Direct Loan -she even mentioned I should have been explained the process when I consolidated but I do not recall ever being told anything. I have worked public service since  XXXX  so I would have taken the opportunity to enroll in the program right away had I know about this. Even if I was explained the process in  XXXX  I would have enrolled at that time as well. Since I was told they would consider as far back as  XXXX  I continued to pay never late.
I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.
I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.
I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. Thank you.
Ocwen holds our 2nd mortgage on our home.Our bill was ALWAYS due on the XXXX of each month. Even tho I always paid it w/in the grace period, Ocwen would call and pester me about the payment.  So,  I worked REALLY hard to get to where I could pay the bill paid ahead of time to avoid the calls.  Then, suddenly,  w/o warning, Ocwen changed the due date to the middle of the month.  Once again I worked to get the bill paid 2 weeks BEFORE it's due date and now, once again the due date is changed to the XXXX of the month.  My payment was due XX/XX/XXXX, I sent a check on XX/XX/XXXX which Ocwen got on XX/XX/XXXX. NOW I have a bill that says it's due on XX/XX/XXXX! 2  weeks between due dates???  I called customer service and was told in about 10 days they will email me about my inquiry/complaint!  WHY IS THIS COMPANY PUNISHING ME FOR PAYING MY PAYMENT EARLY???  On top of their predatory loan interest rates, it apparently takes them over a week to provide customer service.  WHY??? I have yet to have one positive experience when dealing w/this company.
my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at XXXX
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
*****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o  f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all   XXXX    credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T   hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager. 


My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}. 

This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home. 

My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.
I am working with a credit consultant to better my credit and we have not received a credit report from Equifax. I have been doing everything I need to as far as getting my credit caught up. Just not sure why Equifax ca n't do their part. As far as I know my credit consultant has made many attempts to get this report from them. Thank you for your time!