WillisBack/dataset-financial-user-claim huggingface dataset:
First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!
On XX/XX/XXXX a transaction came out of my account for the amount of {$950.00} and the description said USPS XXXX XXXX. I immediately contacted Bank of America and reported Fraud and closed the check card used. The bank issued a temporary credit and told me they would start the Fraud claim process. They said people can make copies of you check card and get the pin number with machines at gas stations, etc. I received a notice from Bank of America stating the claim had been resolved and they are stating I made the purchase. I immediately called and asked them to reinvestigate as I did not make the purchase. I asked if they pulled the surveillance tape and they stated they can not do that. The only reason given for denying the claim was because I made a purchase the same day at XXXX XXXX ( the cafeteria in the building I work it ) the same day and since that was also in XXXX, VA I must have made the purchase at the XXXX XXXX. The guy I spoke with that day said he would update my file with this new information that I work at XXXX XXXX in XXXX, VA and they would investigate further. He said I would get a call from the investigator. That call never came and on XX/XX/XXXX they took the temporary credit out of my account causing overdrafts and closed the claim. I contacted them again and gave them the Police Report number ( XXXX County # XXXX ) ( XXXX XXXX # XXXX ) and also advised them that I file a fraud investigation with the XXXX Inspector. I explained that I am a single mom with XXXX kids I support on my own and that they took more than half my paycheck. They told me they would not have a decision regarding reopening the claim until XX/XX/XXXX. That is my next payday. I have no funds at this time and I did not make the purchase. I asked for another temporary credit and they refused. I explained that I live in XXXX, VA and drive an hour to work each day. That I pass 4 post offices on the way and that to go to the XXXX XXXX XXXX location I would be going another 30 minutes out of my way in the wrong direction. I also stated I eat at the XXXX daily and work XXXX to XXXX Monday through Friday and asked when the purchase was made ( they could not give me a time ) because I could provide my timesheets showing when I am at work. I also pointed out that on my bank statements you can see the XXXX XXXX I get gas from proving I live an hour away from XXXX. It is now XX/XX/XXXX and I still have not received any credit for the {$950.00} or the overdraft fees incurred due to them denying this claim under what I believe was a very minimum investigation. How can they even claim I made a purchase without pulling the surveillance and seeing FOR POSITIVE if it was in fact me in the post office that day. I need my money back. I do not have this kind of money to just lose and I do not think they have tried at all to help me.
Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.
I applied for credit so that I may have funds as I am going thru XXXX. My credit report from equifax and XXXX were embarassing and incorrect. XXXX was accurate and contained information the was true and correct. I contacted equifax and XXXX and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards, I have banked with XXXX XXXX XXXX  XXXX XXXX for over a decade and have never been late nor missed a payment. I was told that my information was on their system but nobody could see it because the bank refused to pay their fees. But at the same time if something negative appears they have no trouble reporting that. there is a XXXX point difference between my XXXX report and my XXXX and equifax report. when I tried to resolve this problem with equifax and XXXX they would not discuss this with me. This started in XXXX of XXXX with no explanation of why my credit score dropped XXXX points in 1 day.
I previously reported that Acecashexpress denied my payment back on XX/XX/XXXX. On XX/XX/XXXX, I send them an ACH Revoke notice. On XX/XX/XXXX they withdrew {$130.00} from my count. They have a set precedence of denying me of my consumer rights!!!
i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.
I have been a XXXX student since XXXX, enrolled at XXXX XXXX University. XXXX University has up-dated my enrollment status on the national database system every semester. As of XXXX 2016, Utah higher education Assistance Authority ( UHEAA ) has billed me, requesting payment on my student loans. As of date ( XXXX XXXX, 2016 ) UHEAA is showing me as XXXX months past due on my federal student loans, my credit score has went from a XXXX to a XXXX due to the negative reporting, and my Federal and State tax refund have been placed on hold due to this negative reporting. From the XXXX of XXXX I have been in contact with UHEAA in regards to this issue. Every month I am told I am past due on my loan, that I must make payment today, that it will be reported to the credit bureaus ... in the next breath they report that they see I am in school and that they will get this taken care of. Today I spoke with them and was told the same thing ... behind, in default, must pay ... This is an issue that still has yet to be resolved. My credit score and federal and state refunds have been impacted, along with the increase in stress. I am getting no resolution with this company and am in need of further assistance.
XXXX XXXX, 2017, monthly mortgage payment {$980.00}, I received an email from Mr. Cooper who wanted my payment by email and then I called Nationstar Mortgage.
Payment and payments always were payable to Nationstar Mortgage. I was never notified that they changed their name to Mr. Cooper.
I expressed to the representative that anyone with the name of Mr. Cooper can deposit or cash payments. I have 20 years of banking work experience and know that fraud can occur. Also called my bank and other banks to verify that fraud can possibly occur because of the name change to Mr. Cooper and the bank 's response was " yes ''. Mr. Cooper 's representative said I had a wrong mentality and that no one by the name of Mr. Cooper can cash or deposit my mortgage payment payable to Mr. Cooper other than them. I 'm very concerned that my mortgage payments may not be cashed or deposited to a mortgage company. If fraud should happen, how can I prove who and why my mortgage payment was deposited or cashed by someone else by the name of Mr. Cooper? My home is important to me and feel this can lead to a serious problem to me and other customers.
Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to being told that they would only make a soft inquiry that would not appear on my credit profile in XXXX. I have yet to receive a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this hard inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17. 

On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished. 

I have filed a dispute on credit report but now I cant even find the account on any of my credit reports. 

I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.
I told my debt collector that I got in XXXX different car accidents and that I had to pay for my deductible and car rental out of pocket along with being very ill. I told them that I could n't pay them at this time and that as soon as I get enough money that I would make a larger payment towards my debt. I was not working and that I only received SS for a XXXX and I get oaid once a month. I did have a part rime job but that ended several weeks ago. I asked them in a nice manner to stop calling me they said that they have to collect the debt and I told them I understood but they were making me sick harassing me and please stop to slow down the calls so that I can get better. They have nor stopped their calls at all they call every day, every XXXX minutes from XXXX to XXXX at night. I ca n't take this harassment anymore due to my XXXX XXXX. I 've told them that any time I had a problem paying that I would let them know and when able I normally double up on my payments to get back on track. I even created a post dated payment on their website for this month and they are still calling and now texting all the time. I 've literally gotten XXXX calls a day from the same company and they do n't even bother to leave a message they just call back every XXXX minutes. I never knew that this was exceptable behavior for a debt creditor and that although I owe the debt I have been with them for several years and have always paid. I 'm considering blocking or changing my number because I ca n't rest or do any daily activities in peace. I 'm in school too and they call all day and ca n't even concentrate, listen to instructor, or take a test in class in peace due to the constant calls. If you need documentation to prove my claims of harassment please ask me so that I can get my cell phone record from my phone XXXX.
I rented apartment XXXX. when we checked in carpet had burn marks. they promised to change later but never did. this is noted in check in and checkout sheet. After giving key I requested manager to check if everything is ok. he said everything is ok and I will not be charged any thing. This company did n't gave my deposit back, instead they sent a bill for XXXX i called and sent later they never responded. after 2 year a collection agency sent a later. I replied again that I do n't owe anything and I have a proof. they never verified and reported credit agency. this company does this with almost all tenants.they never gave deposit back or never discuss issue. someone need to check this companies record. is any govt. agency can help against this daytime robbery?
When I tried to purchase tickets on XX/XX/10, this AA credit card offer showed up. It showed that I would get additional miles and {$200.00} credit. When I receive the statement, there was no credit applied and no additional miles were received. Citi is committing fraud asking customers to open card and then coming up with excuses not to apply credit. 

See the attached for the offer that showed to me and other consumers. It's wrong!
In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.
On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?
Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.
I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.
I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of the items from TransUnion. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my TransUnion credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX
constantly doing inquiries on my credit, going to fight this its hurting me bad, and they call all day everyday
I just received a 'notice ' from Seterus stating, " Thank you for your recent request for assistance ..., while your request was carefully considered, your loan could not be approved ... ''. I would simply like any sort of proof that I ever asked for any sort of such assistance from Seterus. I have asked to provide information and validation and authorization that Seterus is the servicer of my loan, and those many requests are well documented but after approximately 6 months, Seterus still has not provided anything legitimate or legal but yet continues to harass me.
XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Portolio Recovery Associates LLCThis company, in which I have never been contacted before ( have had the same cell phone number for over 8 years XXXX, had contacted me on my cell phone and stated that I owe a debt to them. 

I asked them to provide all information regarding the debt including : who the original company was, proof of my authorization on all original contracts, how many other collection agencies prior to them that was involved in this debt collection, etc. 

The person on the phone could not answer any of my questions and insisted on stating that I owe them money in the amount of {$700.00} dollars XXXX or similar amount ). And I need to pay.
Blackrock Mitigation has people calling me, my work, my mother, my step father, ect. Threatening to serve me papers and saying if I am not there, it will count against me in court and that I will be shown as missing a hearing. The lady I spoke to on the phone said herself the gentleman calling me should not be saying these things. They refuse to inform me of who the man is or how I get a hold of him as well.
I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX-XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  -XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
I have sent repeated copies of my credit card payment in excess of the amount owed. They continue to reply with a statement not showing the payment and not addressing my proof of payment.