WillisBack/dataset-financial-user-claim huggingface dataset:
For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.
I HAVE BEEN SENDING LETTER BECAUSE IN XXXX I CANCELED THE ACH PAYMENTS AND SET UP BILL PAY AT MY CREDIT UNION. NO ACH CAME OUT FOR 3 YEARS. THEY GOT ALL THE PAYMENTS OF {$200.00}. PER MONTH ON TIME AND WE WERE EVEN PAID AHEAD FROM MY CREDIT UNION. THEN IN XX/XX/XXXX SLS DECIDED TO TAKE OUT {$200.00} AND SAID IT WAS FROM MY ACH. I NEVER SET UP AN ACH OF {$200.00}. THE ACH I WAS PAYING AND THEN CANCELLED WAS {$200.00}. EVEN. BECAUSE OF MY PAYMENT FROM THE CREDIT UNION AND ACH PAYMENT COMING OUT I WAS CHARGED AN OVERDRAFT FEE AND I WANT SLS TO RETURN MY {$25.00}. OVERDRAFT. THEY KEEP SAYING I AUTHORIZED ACH, BUT I KEEP EXPLAINING IT WAS CANCELLED AND THE PROOF IT WAS CANCELLED IS THE FACT THAT IT DID NOT COME OUT FOR 3 YEARS.
Caller asked for " XXXX XXXX '', who is unknown to me. Asking for identification, they refused to give that information, stating that this was a " personal business matter '' for the aforementioned person. Their number showed up as one from XXXX, NC, and after calling them, I discovered they are located in XXXX, FL and go by the name of " Diversified Consultants Inc. ''.
I received a mailer from HSBC offering me {$300.00} if I open an Advance account. On XX/XX/XXXX, I opened an account and by XX/XX/XXXX, I have satisfied all the terms of the promotion. The mailer said that I should receive the bonus " approximately 8 weeks after completing all qualifying activities, '' which is the end of XXXX. On XX/XX/XXXX, I contacted HSBC by phone and the agent opened case XXXX. I checked the status of the case on XX/XX/XXXX and was informed that the " specialist '' has denied the bonus. Different agents gave me different explanations. The live chat support agent told me that " the payment was denied for not having the balance of {$5000.00} plus with direct deposits before XX/XX/XXXX. '' I deposited {$5000.00} to the account on XX/XX/XXXX. I received at least 5 direct deposits : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, in the amount of {$500.00} each from my employer. The relevant part of the promotion terms ( part 3 ) unambiguously states : " For purposes of bonus, you must have at least one direct  deposit in calendar months of XXXX and XXXX ''. The supervisor of the live chat representatives asserted that i failed to maintain {$5000.00} in combined consumer checking and savings balances from XX/XX/XXXX to XX/XX/XXXX. However, my CD account had {$5000.00} in it from XX/XX/XXXX to XX/XX/XXXX. Finally, the phone agent told me that my direct deposits did not exceed {$3000.00}. However, the terms did not specify the minimum amount on the direct deposit. A bank obviously can set up this requirement but not after the customer accepted the original terms of the offer. I am under the impression that the bank is trying to deceit me as a customer and is trying to find a reason to decline the bonus.
As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.
XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.
On XX/XX/XXXX, Equifax put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
on Thursday XX/XX/2018 I received a text message on my cell phone from PayPal advising a transaction had occurred that was marked as suspicious as a transaction for family and friends in the amount of {$980.00}. I immediately replied NO, indicating I did not authorize this transaction. I then spent 50 minutes on hold with paypal 's call center that night and I never got to speak to a representative. I got into my paypal account, changed my password, unlinked my debit card that the money was taken from, and updated my security questions, as this was clearly fraud. I then see the total transaction was for {$1000.00} because paypal also charged me 2 {$28.00} fees. The next day, I was able to speak with someone. this was the most unprofessional, inarticulate, uneducated call center I have ever spoken with. please listen to these calls ive had with their call center. they assured me this would be taken care of and the funds would be returned to me. today XX/XX/2018, after several days missing over {$1000.00}, I get an email stating my refund request was denied. This is unacceptable. Paypal claims to be the safest way to transfer money and they have not only allowed my information to be compromised, they refuse to refund me the money. I request a full check send to me directly to cover the full amount STOLEN, and a full resolution to this issue. I also would like to know how my information was stolen, why it was denied, and why it has taken so long to get any type of answer. this is ridiculous and Paypal should face fines for their Unfair, Deceptive, abusive practices. They are a UDAP nightmare.
I owned a home in Michigan for XXXX years. Shortly after buying, Seterus became the loan servicer. Difficult company to work with overall, extremely difficult to reach anyone and when you do, they are woefully unable to do anything other than recite information you already have. Most recently, I was lucky enough to find a buyer for my home and moved towards closing it XX/XX/XXXX. I was told the payoff prior to closing and it was approximately {$140000.00}. When I showed up to close, the amount had jumped to {$150000.00}. The main driver for the variance was an amount labeled " Interest Arrearage '' in the amount of {$5200.00}. After numerous calls to Seterus and much time wasted, no one is able to explain this or even provide a simple accounting as to the breakdown of the {$5200.00}. Very unprofessional and possible fraudulent. But par for the course with Seterus overall. I 'm hoping this oversight entity, the CFPB, will carry more weight than a lowly consumer such as myself when asking the same questions. Please help!
I applied for a small loan. I got the loan and made payments on time by phone. A situation has come up where I am not able to make the payments on the scheduled date. After several calls from XXXX XXXX at my place of employment they told my coworker they needed HR for garnishment. That is a violation of Consumer Debt Act. Secondly the coworker explained to them that this was a business and not to contact me here. They continued. On XX/XX/XXXX, I made a payment that I could manage to pay as well as a cease and desist letter advising them that they are not to contact me by phone as they call during working hours and I was now on probation for the excessive calls. I also made it known to not call my references/third parties and to have any further communication with me through mail. They have continued to call me daily. Today XX/XX/XXXX They called a reference/third party which again is a violation of consumer debt as I have given them written notice to not contact my references. I also provided them with proof of a garnishment already in place by another facility so threatening garnishment wasn't helpful nor telling my job they wanted to do a garnishment as they, by law, can not state that information. I would like to know what my options are since my rights have been violated.
Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.
The Hard inquiries is not mine I have not filled out for any credit cards for a long time because I knew my credit was bad already and I also know if I filled out any credit cards that my credit would lower. I don't want it to lower I'm trying to build my credit up, there are also items in my credit report that is not me, the items are from another person with my same name that lives in XXXX wv that is being put on my credit report. Thank you for you time.
I received a call from premier student loans center asking me about my student loans, I tried to verify who they were to make sure it was not a scam, but both the initial woman that called me from XXXX was defensive and aggressive asking, " do you want to see if you qualify for loan forgiveness or not! '' She transferred me to : XXXX XXXX XXXX XXXX PREMIER STUDENT LOAN CENTER Direct ( XXXX ) XXXX XXXX www.premierstudentloancenter.com XXXX XXXX XXXX XXXX XXXX When I asked for a call back number to verify who he was and the company he worked for he too became defensive and aggressive, saying I was offending him and how would I feel if I were in his shoes accusing him of being a scammer. I don't know if this company is a scam or not, but when he claimed I was waisting his time, I asked to be transfer to someone else and he stated that he couldn't transfer me and I could only deal with him, and if I choose to try again next year for student loan consolidations I would have to call him back. He sent me some emails and went through a process of trying to get me to sign up to give payments thorough his company. The entire time I felt he was aggressive and pushy, I didn't feel comfortable at all, he used President Trump as ammunition for pressuring me into following through with a payment plan with his company. He also said his company worked for the government, but they were not considered government employees. If this is a legit company then they should be required to answer all reasonable questions about the company they work for and adjust their customer service. 

If they are not a legit company then something should be done the name and information above is the information that was emailed to me along with links to government websites.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from A R Resources o n  XXXX   XXXX ,   XXXX  . I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability  Act { HIPAA }, to p rotect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.   I am aware that the   HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees includ  ing any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my information to your company  AR Resources Cease any Credit Burea u reporting until this debt has been validated by me.
MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Mailed Letter on XX/XX/2018 recieved response on XX/XX/XXXX and XX/XX/XXXX no validation.
XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!
Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).
I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
The credit bureau failed to comply with blocking fraudulent items per my police report as I requested within 5 business days. I have been disputing these same items for over 2 years and they still will not remove them off of my credit report.
On XXXX XXXX, XXXX, I mailed a validation letter to XXXX XXXX XXXX for the debt for {$310.00} they are reporting on my file. USPS Tracking : XXXX XXXX XXXX XXXX XXXX ). 

It has been more than 45 days since they 've received the document now and I still have n't received any validation of the debt from them. I communicated with XXXX and they advised me to contact The Collections Agency, which I did, however no response.

This company has violated the Fair Credit Reporting Act and I have will pursue legal remedies if the item is n't removed from my credit report. They never updated the credit bureaus with the item being in dispute, neither did they respond to me. 

This company needs to be held accountable for their lack of compliance with the Fair Credit Reporting Act.
CHASE has been denying use of the credit cards they provided me, even though there has been plenty of credit and cash availability on the cards. I have emailed XXXX XXXX of the CFPB. Please follow with him, he has additional background to share.
Transunion has deleted my inquiries couple months ago and they put those inquiries back. I called them but they did not want to remove it.
Have called XXXX countless times to attempt to fix their incorrect calculation of my PSLF payments. In addition to a bogus counting system and inconsistencies they also have miscalculated my paperwork several times when competing my annual renewal and failed to correctly add my wifes payment/info. Due to their wrong calculation I made over payments for months until I found. It and forced them to have upper management look at it and recalculate without a sorry or reimbursmemt.