WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested numerous time that I am having a hard time repaying my student loans. They refuse to assist me. When I make payment, the payment pends and goes directly to interest and barely nothing to the principal. I pay approx.  XXXX  a month to Navient every single month on time and hardly anything is being applied to the principal. My payment is on auto-debit to ensure the payment is made. I can not afford this payment however, I am trying my best so do not go into default. I have a sick father and children to feed.
My checking account was closed with no reason. Charles Schwab refused to provide an explanation as to why my account was closed.
On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.
On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.
Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.
Timeline of events regarding complaint against 360 Mortgage Group and the enormous {$540.00} increase in mortgage payment due to 360 Mortgage Group negligent error in projecting escrow funds. 
XXXX/XXXX/XXXX loan was re-financed/originated with 360 Mortgage Group by consumers. 
XXXX County taxes were paid in the amount of {$1600.00}. At that time the balance was already paid by the title company involved in the re-finance, this resulted in a negative balance. 
XXXX County taxes were paid in the amount of {$60.00}, as this was the difference due following the XXXX over payment and change in XXXX XXXX rate. 
XXXX/XXXX/XXXX 360 Mortgage Group conducted an escrow analysis and determined that the Consumers ' taxes would only be {$120.00} for XXXX, subsequently they issued an escrow refund to consumers for {$1800.00}. 
o Please notes : tax history going back to XXXX is average at {$3000.00}. This should have raised a red flag to 360 Mortgage Group. 
XXXX/XXXX/XXXX an annual escrow account disclosure statement was sent to consumers indicating that the escrow account was severely deficient at a shortage of {$3200.00} which was to be prorated over 12 months at {$270.00} and would raise the payment of {$1400.00} by {$540.00} to {$1900.00}. 
XXXX/XXXX/XXXX Consumer contacted 360 Mortgage Group and spoke with XXXX who advised her that the taxes were only {$120.00} last year and now they were {$3300.00}. He advised that taxes are calculated based on the previous tax year, which does not make sense as the XXXX tax year had a tax bill of {$3300.00}, nowhere near {$120.00}. XXXX assured consumer that a supervisor, XXXX would call her back by 2 business days or Tuesday XXXX XXXX, XXXX. Consumer asked that this matter be resolved and based on 360 Mortgage Group serious error that they make financial amends for this mistake. 
XXXX/XXXX/XXXX No call received from the supervisor XXXX. I called and spoke with XXXX who passed me to the supervisor XXXX. XXXX advised that they will spread the escrow payment over 36 months and this will result in a payment of {$1700.00} as of XXXX XXXX, XXXX, and increase of {$360.00}. I requested a call back from a manager several times and she refused and stated that she was all I was going to get and " managers do n't take calls. '' I advised her that I would accept the 36 months but am still asking 360 Mortgage Group to resolve this financially based on their mistake. This puts a huge financial burden on the home owner of a payment increase of {$360.00}. I again repeated my request for a call back and appropriate resolution to XXXX, but as the call was going in circle with her, I had no choice but to end the call. 
XXXX/XXXX/XXXX XXXX statement received showing payment due XXXX/XXXX/XXXX {$1900.00}. This was never resolved and now the consumers ' payment is increasing by {$540.00}, which is an impossible burden.
I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.
I first tried to consolidate through XXXX Loans. Somehow I got involved with Navient. I dont even remember switching to them!! They call and we set up payment to be taken out and my balance never seem to decrease and I ca n't get a home loan with such negative score from student loan!! Please help!!
I have previously sent complaint regarding on Specialized Loan Servicing LLC ( SLS ) for the providing the same service XXXX XXXX provided ; when servicing the loan although XXXX XXXX  still own deeds. 

I never received noticed on change of mortgage payment from SLS, and now I accumulated late payments, and a balance since I did not know of change, by federal law servicing companies need to provide 30/60 day notice of any changes to payment. 

Recently, SLS just started sending mortgage statements after almost 2 years of not receiving any statements from SLS ; which is surprising ; when law requires statement ; whether in bankruptcy or not, since disclosure of no intent to collect debt is present on statement like XXXX XXXX  provided. 

Also, I never received notice from SLS that they change there payment address from Georgia to California, so they did not receive one of my payments on time, although they are at fault for not forwarding there mail to new address.
There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.
I work for a XXXX company and while they do direct deposit my pay check my expenses are paid in US funds by check drawn on XXXX. Of note, there were a couple of XXXX branches located in the metro XXXX area until a few years ago. When I deposit them I do have to use a teller. About a year or so back I deposited XXXX that was over {$5000.00} and got hit with a large fee which no one in the local bank was aware of. 
On XXXX XXXX, 2016 I went to deposit XXXX checks which did total over {$5000.00} and spoke with bank staff and asked if I needed to do them as separate deposits or what to avoid paying a fee and was told that it would be ok on a single deposit. I received a letter from the bank the next week saying that they had reversed the largest of the XXXX checks ( {$4600.00} ) and debited my account since it would require " special handling ''. When I called the customer no service listed on the letter she told me that the local branch was wrong and that I had to pay the fee. When I asked for the check to be returned I was told that the process could not be stopped. According to XXXX they transferred the money to Chase on XXXX XXXX but it did not appear in my account until XXXX XXXX and the deposit was less than the debit. When I went to the branch on XXXX XXXX and asked why the amount was reduced they did not know and when the banker called to get the reason he was told the wait time for him to speak with someone would be 40 minutes. At that point he did reverse a {$45.00} international collection fee and I left. I received a letter from Chase XXXX XXXX stating the deposit was reduced by {$90.00} stating the reason was " Foreign Currency Paid ''. I called the customer no service listed on the letter since the check was made out to be paid in US currency and was told that what the letter stated as a reason for the fee was wrong and it was because XXXX charged Chase {$90.00} to cash the check. I was told that the local branches are not aware of the fees since they do not handle many foreign checks. 
I have already opened a new account with a credit union and will be closing this account as soon as the last check clears and will also be moving my mortgage to a new lender.
I have sent multiple letters disputing the validity of this account being mine and requested CITI to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from CITI after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

CITI states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with CITI from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up CITI because I NEVER had a CITI account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with CITI, nor have I ever had an account with CITI. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and XXXX, along with any negative remarks associated with CITI, as it is severely damaging my credit file. I also request to cease & desist all communication with CITI, written and/or telecommunication.
My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!
I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.
The disputed {$840.00} ( Dispute ID : XXXX ) AT & T*Bill Payment charge that was billed to your above-referenced account on XX/XX/2016. The dispute was initiated on XX/XX/2016 with a conditional credit issued to my account. CITI returned the charge to the merchant 's bank ( AT & T ) on XX/XX/2016 in an attempt to obtain a permanent credit on my behalf. The dispute was subsequently cancelled at my request on XX/XX/2016 and the conditional credit {$840.00} was reversed. CITI is telling these funds made available for the merchant/merchant 's bank. I checked with XXXX AT & T and they do not see it in their bank. They asked me to pay this amount and I paid with same credit card on XX/XX/2016. The reversal {$840.00} is mystery now. AT & T is telling that they do not see it in their bank. They do n't bother about this fund anymore since I paid them all due amounts. CITI is not helping me to find out this {$840.00} where it went. This amount is not going away from CITI account since the merchant never received this amount. I have a feeling that CITI stolen this {$840.00} and they are charging me for this and not paying to XXXX.
I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
these claims are not mind someone used my information i never lived in ohio these are fraud claims there reporting to lexus nexus and needs to be removed CLAIM 2 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX I Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$1200.00} BODILY INJURY CLOSED {$2900.00} COLLISION CLOSED NaN COMPREHENSIVE CLOSED {$970.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM XXXX Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX  Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status NaN BODILY INJURY CLOSED {$13000.00} COLLISION CLOSED NaN PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 4 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$3800.00} COLLISION CLOSED Additional Info : N/A
In XXXX I was approved for my first credit card with USAA. Shortly after, I was laid off from my position as a XXXX. I could n't find another job, so I could n't pay my rent. My fianc and I moved in with my parents. USAA sent my debt to a collection agency. In XXXX XXXX I moved to XXXX with help from the XXXX. I was technically a homeless veteran, so they paid the deposit to get my fianc and I in an apartment. I found a job with a temp company and applied for XXXX benefits through the Veterans Affairs. I was advised to do by the XXXX. On XXXX/XXXX/XXXX, I was rated XXXX by the VA. On XXXX/XXXX/XXXX I paid the collection agency holding my debt with USAA {$1700.00} with my new military XXXX income. That {$1700.00} is the " Settlement Amount ''. Thats what I agreed to and there was never any mention of any remaining balance. Since I made the settlement payment I have n't received any correspondence at all, or notice of any remaining balance. This account does n't even exist according to my USAA profile. In fact, USAA required me to pay the debt collection agency before I could obtain my car insurance back with them. The fact that I have car insurance with USAA now is proof that I have satisfied this debt with USAA. I recently found out about this while they were helping me with an unrelated matter. Two times I tried calling them for information and both times the department that I need to speak to is conveniently unreachable after waiting on hold for an hour. On XXXX/XXXX/XXXX I found out this account has been reported to all XXXX credit bureaus for the past year or so, and I never even knew it existed. If I did, I would 've paid it. I 've been wondering why my credit score refuses to go up. My fianc and I have been going without to pay our debts with the sole intention of increasing our credit scores. We want to buy a home and start our family. I do n't believe I owe this debt.
Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion, XXXX and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
I took out a loan for {$3000.00} with Rise Credit ... they told me my payments would be {$270.00} per month. Then they started taking {$270.00} out of my checking acct. every two weeks! I have tried to contact them about this-no answer ... now they all ready charged off my account and I guess it will go to collection? they told me I would have to pay back over {$9000.00} by the end of thils loan ... they need to be investigated as there are a lot of compaints by consumers online about this shady company. please help!
I had a checking account with Bank of America. They now have the me in XXXX saying Suspected Fraud Activity ( SFA ). I owe them No Money so I want them to stop reporting me. I did dispute this already but they did nothing. And because of this I can not open another bank account. As for the SFA they did not give me any information about that. 
I remember I tried to use the atm card at a gas station in XXXX 2014 and after 2 swipes it didnt work. So I went inside for them to try it and I guess at that time B of A cancelled the card. I 'm thinking perhaps that 's what happened. But they are not giving me any information. Plus again I do n't owe them any money unless I would have paid them. Thank You ...
DCI, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
Nothing in the boxes covers my complaint but to explain. I am XXXX and my name is Mrs XXXX XXXX. I am XXXX years old and I do not know the systems in the USA. However my dispute is with the Bank of America and although I have tried every which way I can I have gotten nowhere so I wish to entrust the CFPB. 
In XX/XX/XXXX I was awarded a huge compensation payment from the UN plus others. 
I received notification from the Ceo and President Mr XXXX XXXX. The payment was for {$30.00} XXXX usd which was lodged with the Bank. The proposed actions were to transfer the money into an account for me in my name. Mr XXXX XXXX XXXX who is the co-head of consumer banking. I was not advised at this time I would be responsible for numerous fees. It began with opening the account charged at {$500.00} then {$390.00} for activation. I had two other fees added for {$250.00}. Another {$190.00} for signing papers to be done by an attorney Mr XXXX XXXX at a cost of {$20000.00}. Then came the news the dates on the account cards were out so {$650.00} was needed for updating The bank wanted {$250.00} as a keeping fee and another {$250.00} for a courier fee, This all happened in XX/XX/XXXX.