WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated from XXXX school in XXXX XXXX. At that time I did not have a full time job due to having to do my required XXXX hours for internship. I was working as a XXXX for XXXX XXXX XXXX. When I received my notification that my loans had been bought by Navient ( they were in deferment with the other agency ) I contacted them immediately to see what my options were for repayment. They sent me a statement that my loans would be more {$900.00} a month. I contacted them again and stated that I was currently seeking full time employment and wanted to know again what options I had for repaying the loans because there was no way I could afford the current payment plan they had sent me. I waited for 3 months ( attempting at least once a week to get someone to let me know what I could do ) and never got an answer. I noticed that my statements stopped coming during that time. I called them back on final time and was told that my loans had been approved for unemployment deferment. I stated that I was currently doing XXXX for the XXXX at XXXX XXXX as a XXXX and they stated that XXXX work does not qualify as XXXX employment. When I was offered the job with XXXX XXXX XXXX as a XXXX in XXXX of XXXX I contacted Navient and asked what options I had once a gain and I was told that my loan was in deferment and I could either make interest only payments or I could let it stay in deferment until I found out if our center was going to shut down or until the unemployment deferment was exhausted. I asked how long that would be and they stated that my loans would come up for repayment in XXXX of XXXX. I was ever given the opportunity to do any type of income based payments or anything. I was n't told that I could stop the unemployment deferment or that you only had 12 months in the lifetime of a loan to have it under unemployment deferment. In XXXX I started receiving statements again and by this time we had been notified by the DOL that our center was going to close and our last day to work would be XXXX XXXX, XXXX. I contacted Navient and filled out the forms online to see again what my options were and they denied me any type of help. No income based repayment, no deferment nothing. I have gotten to the point now where I am looking at trying to file bankruptcy ( which I/m being told is next to impossible when it comes to student loans ). I do n't know what else to do. I am currently drawing unemployment and looking for a job but Arkansas is not the best state to find a decent paying job. I have XXXX school age children and with the normal monthly bills there is no way I can make a $ XXXX a month student loan payment. I have been told that in extreme cases student loans can be forgiven or put under a bankruptcy so I am hoping that the fact that I have barely any income and if I paid that loan payment I would be homeless and could n't feed my family is extreme enough.
I paid them back in XXXX in the amount of {$200.00}. om XX/XX/XXXX and then a payment XXXX XXXX after that I have not heard from them, then anther company called to try and collect on that same account and I told them I paid Diversified and Im not paying anyone else no more money on this account. so I have not heard from no one else since then. Then I pulled my credit as I do every year and Noticed that Diversified was reporting on my account in XXXX again after being deleted in XXXX. So I too action to dispute this account with all 3 credit bureaus one bureau has taken action however XXXX and XXXX I have been battling with them for 7 months with this. one account As well as sending a letter to DCI. get a letter from them that they no longer handle the account that it was returned to XXXX. after talking with sprint they have no knowledge of it, however I noticed that the agency Reference number changed. But its the exact same account the reference number they sent to the letter that they no longer handle account is the old account that I had paid them for now they trying to collect on same account with a different Reference number. 
They are trying to get paid off same account twice and Im a single mother living pay check to pay check trying to fix my credit and this company has made it a job stressing me out raising my XXXX XXXX the more.
I have dispute an alleged debt from XXXX for {$490.00}. The collector has never sent me any documents proving i owe the debt or how they claim i owe exactly {$490.00}. I do not agree so i disputed it. They allegedly verified it with the credit bureaus. They did not do a reasonable investigation and have failed to provide any proof. They also have been harassing me on my personal cell phone.
Tate & Kirlin Associates ; XXXX XXXX XXXX, XXXX, PA XXXX XXXX, ( XXXX ) XXXX has sent me XXXX notices in the last several months trying to collect a bankrupted debt. I have thrown out countless other notices after sending them two letters concerning the Bankruptcy and all pertinent information. They do not care. They continue to harass me.
My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX  XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.
Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.
PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud
XXXX XXXX XXXX XX/XX/2018 Background : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, MA. XXXX ( XXXX ) XXXX Applied for a XXXX XXXX job. No idea when he applied for it. ( Have applied for roughly 70 jobs. ) On XX/XX/XXXX, XXXX received an email stating that his application for a XXXX XXXX position had been received. 
On XX/XX/2018, received a cashiers check in the mail. The check was from a XXXX XXXXXXXX XXXX. Didnt recognize the address ; didnt recognize the person ; didnt remember what it was from. 
On XX/XX/XXXX, Went to the Santander Bank on XXXX XXXX XXXX XXXX XXXX to ask if the check was good. Went to a teller a female and asked, Is there any way you can check if this is any good? I received this check today in the mail and I dont even know who its from. The teller took out a magic marker ; and wrote on the check ( later I was to learn from XXXX XXXX that she wrote her initials on the check XXXX }. Teller said yes the check is good with a smile, indicating to me that the cashiers check was legitimate. 
On XX/XX/XXXX, received email instructions, you were emailed by an XXXX XXXX. His email address was XXXX. asking if XXXX had received the payment. 
On XX/XX/XXXX, received an email from XXXX saying keep me posted. 
On XX/XX/XXXX, received an email from XXXX saying go to XXXX, purchase an item of clothing under {$30.00}, and XXXX, 5 gift cards each for {$500.00}. 
On XX/XX/XXXX, received email from XXXX saying Please send back pictures of the cards. 
On XX/XX/XXXX, XXXX sends email asking to fill out feedback report. 
On XX/XX/XXXX, email from XXXX says youre doing good work. 
On XX/XX/XXXX, XXXX via email asks XXXX to purchase a cashiers check for {$10.00} from bank. 
On XX/XX/2018, at XXXXXXXX XXXX, Santander Bank contacted XXXX with Service Alert through email to tell him the check was no good. 
On XX/XX/XXXX, went in to the Santander branch and Spoke with XXXX XXXX. XXXX said cashiers check was no good. This was in contradiction to the teller who had earlier indicated it was good and has her initials on the check. XXXX then made a phone call and spoke with someone and said okay, theres nothing we can do about this. 
On XX/XX/XXXX, XXXX contacted XXXX XXXX emails off the XXXX XXXX website and heard back from XXXX XXXX with a phone number, XXXX. 
XXXX has called that number since then many times and there is never an answer On XX/XX/XXXX, we contacted the Massachusetts Attorney Generals asking to call me back. They indicated I should file a police report and contact federal authorities ( FTC and FBI ) .fraudulent checks
BREACH OF CONTRACT and DECEPTIVE BUSINESS PRACTICES BY BANK OF AMERICA. When I opened a Small Business Checking account with BA, I was advised that as long as I make commercial purchases with my ATM VISA card, there would be NO monthly charges applied to my Business Checking account. Basicaly I was promissed a total FREE SMALL BUSINESS CHECKING. Subsequently, I noticed on my statements that despite the above promiss of a FREE CHECKING ACCOUNT, the Bank began to charge me a {$16.00} monthly service charge despite the fact that I was using my VISA Business Debit Card to make purchases. When I bought this matter to the attention of the XXXX XXXX Branch manager, she apologized and refunded all the $ XXXX-charges. Despite the corective action taken by the branch manager, a few months later Bank of America again started to reinstate the $ XXXX-monthly charges, in violation of the Agreement and they have been illegally ading the $ XXXX-monthly service charge for the past 5-months. In fact they did the same deceptive practice with my personal checking by charging me {$3.00} monthly fee for Check Image service, despite the fact that I have signed up for paperless account service. When I complained to customer service, again they apologized and refunded the illegal service charges. The actions I just described above is a CONSISTENT PATERN OF FRAUDULENT AND DECEPTIVE BUSINESS PRACTICES and BREACH OF CONTRACT by WILLFULL MISCONDUCT by BANK OF AMERICAN INC.
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Re : US Dept OF ED/XXXX/XXXX Dear US DEPT OF ED/XXXX/XXXX, I have never received any written correspondence from this company. US Dept OF Ed/XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX   which results from crime ( s ) that have taken place. This is invalid. I didn't received any services, goods, or loans from the original creditor. However, I am still held responsible for this debt. That is a violation of THE FAIR DEBT COLLECTIONS ACT by adding a collection ( s ) to my credit reports without my knowledge. It is also a violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit explicitly stating that I am a victim of a identity theft. Still you fail to comply with laws you are legally binded to adhere to. This inaccurate information is still being reported on the credit reports. It would greatly appreciated if you deleted these accounts. 

Thank you.
I have had a XXXX XXXX XXXX XXXX  for years. It had a zero balance for a few years until XX/XX/2018. I purchased two pairs of shoes and they raised my credit limit to {$4500.00} from {$1500.00}. They had changed my account number due to a fraud alert a while back, I never received my new card. I called XXXX  in XX/XX/XXXX to get the correct account number because I could not find my card and they told me the could not give it to me over the phone. I requested a new card to be sent to me. I also gave them my new mailing address to send the card and I never received it. 
I made my first payment via phone on XX/XX/2018 was for {$500.00}. I had to call in the payment because I did not have the correct account number to pay via my bank. Then I was at XXXX in XXXX XXXX at the XXXX store in XX/XX/XXXX. I purchased another pair of shoes and asked the associate to write down my account number because I still didn't have my new card. He did and I added it to my bill pay via XXXX. I sent a payment through the bank on XX/XX/2018 for {$1500.00}. Then about a month later I got a 31 point hit on my credit report because I was late on my XXXX XXXX payment. I looked at my bank and it said the check was processed for {$1500.00} and they gave me the check confirmation number but it had not been cashed. At this point I called XXXX  and they said I was 31 days late and they didn't receive the payment. I read them my account number the associate in XXXX wrote down for me and they said it was incorrect, I again asked fro a new card, told them I never got the last XXXX I requested. I made sure they had my correct address again and I still have yet to receive it on XX/XX/2018. I told them I had the check confirmation number that XXXX sent to them to prove I made or attempted to make a payment. They said they can send it to disputes to see if they will remove the credit hit and they denied me the credit fix. I have had to call every month to make a payment. I have now spoken to a person via phone twice to request a new card and haven't received it. I made another payment on XX/XX/2018 and XX/XX/2018. 
I make my payments on time and I have tried to resolve this issue by requesting a new card twice so I can get the correct account number. I have asked the sales associate to write my number down and it was wrong. I called and explained what happened, I had proof from my bank I attempted to make a large payment to them. My credit was excellent and the hit took me to a good rating. 
I am hoping that XXXX  will look back at my payment history and all that I have done as the consumer to get the proper account number and to make sure my bill is paid and fix my credit issue. 
Thank you, XXXX XXXX
To start off i was behind in my mortgage payments due to a divorce. My ex wive was on the deed but not on the loan papers. In the divorce ex wife singed a Quit Claim Deed releasing her rights to the home that we shared. I applyed with mortgage company for a loan modificaton. I have finished my trial period and received the final modification papers that had my ex-wives name for her to sign. I called them to see why her name was on the papers and they told me that it was HUD/FHA guideline. I called HUD and FHA and they both said that ie was not true, so I called mortgage company back and told that this information came from there legal department. So now they are controdicting what they told me the first time. I have finished my trial period and am ready to sign final modification but I don't know where my ex-wife is and she is not willing to sign forms. I thought that since she signed the Quit Claim Deed that superseeded the first deed we signed. I have until the XXXX XXXX XXXX to send these papers back or they said that i will not be eligibe for this modification. I have attached a copy of divorce decree, and Quit claim deed. Modification was to large to attach. Please help me.
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.
I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX XXXX XXXX XXXX XXXX
Filed an online dispute with Transunion in regards to a XXXX to update the balance as it was incorrect. Account balance was showing $ XXXX+ when I paid it down toa {$0.00} balance in XXXX 2015. The investigation results came back and stated the account was deleted. This is not what I asked for them to investigate. They deleted a very good standing credit account on my credit profile and need it to be added back on.
I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. 

I've made three calls in the last three business days ; I spoke with XXXX  twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.