WillisBack/dataset-financial-user-claim huggingface dataset:
After reading the news lately about the allegations against Navient, previously XXXX, I realized that I was also being mistreated and mislead by these companies - and did'nt realize to what degree until now. I currently have nearly {$100.00} XXXX in student loans, most of which are private through Navient. Navient also took over my federal loans recently from XXXX, to my regret of course seeing as how they 've handled loans so far. 
When I first looked into attending college, I was pushed by the " student services '' staff at my University into taking the private loans. At the time I knew nothing of college or finances, but I was assured by them that my struggling parents made too much money and these were the only way to go. What a grave mistake I made. Since then, I have been struggling everyday with this giant financial burden. I did graduate and I continue to make my monthly payments. However, I paid over {$100.00} XXXX for a XXXX of XXXX or XXXX, which did n't help me get a job making nearly enough to pay off the loans. 
When I began reaching out to XXXX, they were very aggressive and would continually push me into asking relatives for money, allocating other bill money like rent to them instead, and into using up all 12 months of allotted forbearance at once, not telling me that they only allow that much time over the life of your loans. I have never had a pleasant experience with Navient and my interest rates continually change. 
Two years ago I was desperate for help and a representative helped me over the phone to extend the life of the loans while bringing my interest down to 2.5 %. She explained that it would be locked in at this rate for the life of the loan if I added on another 10 years to it. I entered the agreement and after only one year, the rates went back up and I was stuck with 10 years on my loan agreement. When I called, they denied the original agreement and told me that the agreement was for only one year. The last time I spoke with them, I asked them if there was any way they could help me and they simply said " No, there 's nothing we can do for you. '' I have been completely mislead and find it heartbreaking that in one of the greatest countries in the world, we ca n't trust those who claim to have our best interests in mind. The helpless experience and monstrous stress has had a terrible effect on my quality of life, but I hope that it helps others avoid a similar situation.
Issue # 1 I started the mortgage application in XX/XX/2018 with Wells Fargo Home Mortgage. After submitting my information to the loan specialist he told me that I should only have to put 3 % down as cash to close. I explained to him that I had applied for home financing at other institutions, but I wanted to shop around to ensure I am getting the best complete pricing. The loan specialist told me about a first time home buying credit that Wells Fargo offered in the amount of {$750.00}. I told him I would be interested in the credit. During the same conversation the specialist informed me that the automated approval system would not pre approve me unless I put 5 % down instead of the 3 %. I agreed, but was still interested in the {$750.00} First Time Home Buyer Credit. The loan specialist assured me that I still qualified. I closed on XX/XX/2018 and the specialist did not inform me that I would not get the credit until a few days before closing. I asked during the underwriting process as well and he lead me to believe that the credit was still an option. I feel as though I was given the bait and switch, especially since the specialist knew I was pre approved by another institution. 

Issue # 2 During the underwriting process I was given dates that I needed to get documents submitted in order to keep my closing date. I gave the loan specialist permission to communicate with my attorney about deadlines and other things pertaining to my financing. My real estate agent began calling me stating that he was getting calls from the sellers agent and the sellers agent had knowledge of which documents were still missing and questioning when they would be turn in to receive the " clear to close. '' I called the loan specialist and asked if he was giving information to the sellers agent and he admitted that he had. My attorney also forwarded me email treads that had the sellers, sellers attorney, and the sellers agents CC 'd on with information included concerning my loan. I spoke with the agent and reminded him that he wasn't given the authority to give that information out concerning my loan and he responded that it was only general information. I advised him that he could have compromised my position in the event I needed an extension to submit documents. I also advised him that he had violated my privacy. 

Issue # 3 I closed on XX/XX/2018 which was a Tuesday. Since the Friday before I received three different truth in lending statements with tree different cash to close amounts. 

I spoke with the manager of the loan specialist I completed the application with to voice my concerns. He investigated for two weeks and listen to all of the phone calls I had with the loan specailinst and he agreed that the specialist did not inform me that I would not get the {$750.00} credit in time to seek other options. He informed me that he needed to forward his findings to Wells Fargo Customer Care ( WFCC ) and they will have the final say. I was contacted by WFCC and answered questions about my experience. After a one month investigation I received a call stating that WFCC has determined that no wrong has been done.
account was paid in good standing XXXX XXXX  XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XX/XX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit
My name is  XXXX   XXXX  and  PORTFOLIO RECOVERY ASSOCIATES  Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  XXXX   XXXX  account. In  XXXX    XXXX  . They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.
I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX
I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

These statements do not meet the burden of validation or verification.
My previous mobile phone number is not available and I try to change my login information (a new phone number), but the system won't accept my passport. Last two months, I have emailed Coinbase.com four times regarding my login issue and there is no respond.
I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.
To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
It seems like the card is damaged or is not completely activated. When I first called in about the problem the rep started laughing at me and I didn't respond well to that. I am very upset I needed a cab yesterday and the cab company 's website said the 3 digit security code was invalid. I called back and spoke to another rep and she said I had to register the card online but when I tried doing this on my own, their website also showed an error saying the 3 digit security code was invalid and that the card itself was not valid. The rep sent me a link today XX/XX/2019 and said she had to make some changes for the card on her end, so it wasn't until then I was finally able to register the card. I logged in but as part of logging in you have to enter the 4 digit security code that's on the front of card and now it's saying that this number is also invalid. So this will be my third time today calling back after I was told the card would absolutely work correctly now. Photos attached
I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.
I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.
11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.
I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.
Husband and Wife owned their home. XX/XX/XXXX, wife passed away. At that time husband believed that the balance on his mortgage loan had been paid down to approximately {$30000.00}. Not more than a few weeks after his wife passed away husband noticed that XXXX XXXX XXXX, XXXX was drawing money from his bank account. After being stonewalled by various XXXX representatives, husband discovered after going through some of his wife 's old mail that XXXX was claiming his deceased wife took out a loan for approximately {$80000.00} and XXXX claimed a mortgage on his Home for that amount. Any corresponding loan that his wife entered into does not bear his signature ; accordingly, any mortgage that XXXX placed on his Home was also forged and therefore void ab initio under Michigan law. Over a period of 7 months immediately following his wife 's death, husband continuously sent letters to XXXX indicating : that his wife had passed away and therefore XXXX should stop sending documents addressed to her ; He had no knowledge of the alleged loan ; He had never authorized the Mortgage on his Home ; and Demanded XXXX to remove the Mortgage at once. 
Effective XX/XX/XXXX XXXX XXXX XXXX became the Loan Servicer. U.S Bank is the assignor of the Note and Mortgage. Husband sued U.S Bank. and XXXX XXXX XXXX to discharge the Mortgage. Husband and U.S. Bank entered into a Settlement Agreement, U.S. Bank failed to live up to its end of the bargain, and the Court dismissed the case. U.S. Bank has failed to take any actions to resolve the dispute. Husband continues to maintain that the mortgage is forged and therefore invalid. However, on XX/XX/XXXX, with full knowledge that the mortgage is defective, XXXX XXXX XXXX, through XXXX XXXX published a Notice of Foreclosure Sale By Advertisement, with a sale scheduled for XX/XX/XXXX - this sale is unlawful.
I  XXXX  from   XXXX   XXXX   XXXX     where I was in the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     administered by    XXXX   XXXX  . On or about   XXXX   XXXX   2017 I submitted a form to    XXXX    to roll over the {$30000.00} I had in the   XXXX   XXXX   to my money   XXXX   XXXX   XXXX   XXXX  ..
The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with  XXXX  service desk. As of now, I have had 10 phone calls with  XXXX  trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at  XXXX  say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now   XXXX   XXXX    almost two months and    XXXX   can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them.
I am at my witts end and I am desperately seeking someone who can get me my mone y.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  N.J.    XXXX   XXXX   XXXX
I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. 

However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. 

In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. 

In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. 

Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. 

My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.
CitiMortgage did a loan modification of our 1st and 2nd mortgages in XX/XX/XXXX. We are selling our home and when the title company called for a payoff the second mortgage did not exist. Yet, two days later Citimortgage sent a letter to the title company stating we are to voluntarily give them over {$34000.00} of our closing costs to them for the amount of the second mortgage. When we called XXXX they stated they had not received the Dodd- Frank documentation. We have proof they received and scanned in the Dodd-Frank document filled completely document on XX/XX/XXXX via XXXX. 

When we spoke with XXXX in the Recovery department she stated they had the home equity loan and another department had our original first loan and she needed to reach out to them and get back to us in regards to the loan modification. 

We were supposed to close on our house XX/XX/XXXX but moved it to the end of the month to attempt to get this resolved.