WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.
I went to a school called the    XXXX   XXXX   XXXX   XXXX   XXXX   . Little did we know at the time ( I say we because my dad co-signed the loan ) that the certifications that the school were handing out were not relevant to the industry. The school was intended to provide   licenses    for   XXXX   XXXX   XXXX  . As it turns out,   license for   XXXX   XXXX   XXXX  is not needed and there was no advantage to gaining a   license for   XXXX   XXXX   XXXX  , we were unaware of this at the time. I understand personal responsibility and have paid a school loan for a number of years simply because my dads name was attached to the loan. I realized a few years later that the payments I was making were hardly touching the balance and I could never get any reliable information from the loan provider,  XXXX   XXXX  at the time, to show why my balance appeared to be increasing. I spent some time in the military and my loan was on deferment. After the service I am pursuing my degree and now Navient is telling me that I am not eligible to defer the loan even though I am  a full time student.  Apparently being a private loan does not permit deferment. The company calls me incessantly and is using bully tactics and fear of credit damage to try and force me to pay. My argument is the school should have never been backed by the government to provide loans in the first place. It is obvious there was no real oversight on the part of the Department of Education. The school licensures were phony and the school no longer exists. The actions of    XXXX   XXXX   XXXX   XXXX   XXXX    amount to federally backed robbery. Navient of course will only set tle for 90 %  of the total sum and refuses to negotiate past that point. I would be willing to satisfy some portion of the loan to make this end but I can not handl e 90  % of  XXXX  dollars. Which is almost the original loan amount. My issue is twofold, one being that the payments I was making in the early years of the loan, which would have been {$190.00} per month from around   XX/XX/XXXX  to  XX/XX/XXXX  @   what was supposed to be  a 6  % interest rate, were improperly applied to the loan. I realize the school is being sued for grotesquely poor handing of payees payments. The second issue is the schools unwillingness to defer the loans while I am  in school  and their ridiculous level of harassment concerning repayment. It seems to me they know that they are going to end up losing in court and are doing whatever they can to retrieve as much money from loan participants before that happens. The federal government was conned by the middle-man ( the school ) and the consumer is left holding the bag for the equivalent of an additional car payment every month. I paid faithfully on this loan for  4 or 5 years and owe almo st exactly what the loan was originally worth. I would at the very least like to defer my loans w hile in school,  at the most I would like loan forgiveness for something that has benefited me absolutely nothing. The school should have never had the authority to write or process loans in the first place, especially for a service that requires no training.
This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.
I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was   XXXX    XXXX  .     Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy  rights, and would like these hard inquiries removed completely from my credit file :
COMMONWEALTH FINANCIAL SYSTEMS is collecting a debt for XXXX from 2011. I have never received a bill from commonwealth or XXXX i have requested documents requesting information in regards to original collector but have not been provided any information. I was advised that they dont have any information accept the name of the hospital not the location of the hospital, name of doctor nor a phone number for the particular hospital or doctor. I have confirmed with my insurance company they do not have anything on file of that nature. i have requested from Common wealth and the XXXX credit b. for proof of the original bill which nobody will provide me. XXXX closed out the debit however XXXX denied my request and adv me to contact the debt collector for more information however they are not providing anything either. I still have not received any bill with any information from Common Wealth or written communication nor phone calls prior to affecting my credit, I had to call them when i noticed my credit score dropped. They did not provide me an account number either.
This company continues to call a US Government line, which no longer belongs to me and disclosing my name and threatening legal action. This information should not be given out on a public line and I have asked them to cease and desist calling this number, but to no avail.
I regularly check my credit reports, and noticed it's been over 7 years since my Sallie Mae account transferred to XXXXXXXX XXXX XXXXXXXX XXXX. I reported it to all bureau asking that Sallie Mae listed on my report dated XXXX be removed as its over 7yrs. I received several letters from Navient, stating the information they have provided to the bureau 's are correct, meaning that I have an account with them. I immediately responded asking Navient to provide document to support an open and active account with them, as they've been reporting. They have provided nothing to support my having any obligation to pay them. As noted my account was transferred prior to Sallie Mae going defunct in XXXX and Navient taking over. To date my account with XXXX XXXX XXXX XXXX is in good standing and payments made on time. Navient is not listed any where on my Student Loan as having any  association with my account at all. I've asked them on several occasion to provide documents to support an open active account. They provided me with my promissory note dated XXXX, XXXX, which is NOT in any way showing that I'm obligated to pay Navient, but the XXXXXXXX XXXX   XXXX which again is in good standing to date.
Greentree servicing is my current servicer. They told me on XXXX that my address was corrected and would be uploaded to the XXXX web site on XXXX. I applied for my refi in XXXX and we are still waiting for Greentree to do what they said they would do. They were pointing the finger at XXXX, so I asked them to send me something in writing saying they did their part on XXXX. I just received the mailing today and nothing says their job was done on XXXX as they repeatedly told me on the phone. The person I spoke with is XXXX and I think her extension is XXXX. This company is incompetent in keeping their word. I put in writing to them through email both on XXXX and again on XXXX and they never sent me any thing in writing saying their job is complete, they kept saying it over the phone and I asked for it to be sent in writing and now that I have the mailing there is nothing that says they completed the address. I am now on the phone with them and talking to XXXX out of XXXX, she was no help, interrupted and incompetent. I asked why it is so easy for them to cash my checks and not so easy for them to correct an address as promised. Please help. I have heard bad things about this company and need to get away from them immediately.
I was trying to remove old student loans that had been consolidated off of my credit report ( the old, closed accounts ). They did not verify the account nor delete the closed positive accounts. Instead they updated about 10 accounts marking them as late in XX/XX/XXXX. These accounts were established in XX/XX/XXXX and XX/XX/XXXX and consolidated in XX/XX/XXXX. My accounts have been current all these years. When I called the number on my credit report, I got Navient instead of Sallie Mae. I was told they couldnt transfer me nor was there anything they could do because the account was n't updated by them. But its Navients number on the credit report. I have several copies of my credit reports showing these accounts were just reported as late from XX/XX/XXXX.
I received an alert that this company has reported a collection account on my credit. 
I have not received a dunning letter or any type of communication regarding this debt. This company needs to follow the proper debt collection protocol prior to adding an account to my credit without proper validation.
I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her
I attempted to have Kohl 's pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with Master/Visa/American Express typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the Kohl 's account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid Kohl 's in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay Kohl 's in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a XXXX-year history. I have called Kohl 's on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately 100 points because of this issue. Kohl 's needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.
If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous.
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with Net Credit, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. 
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.
After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!
I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.
There is so much malfeasance with XXXX nationally and internationally that I am mad my tax dollars helped them to survive. XXXX fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX and XXXX XXXX continues to create havoc with lies, lies lies! I recently reported a XXXX on XXXX XXXX, XXXX who I feel will counter with another idiotic letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with XXXX explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for XXXX to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that XXXX made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the XXXX paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact Capital management XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it XXXX, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then XXXX stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen XXXX sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So XXXX man-up and admit the truth, you lied.
I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.
My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did.
A former roomate opened XXXX cell phone accounts in my name using my personal information, XXXX with XXXX, another with XXXX has removed this account from my credit reports, XXXX keeps sending mny account to collections despite being provide with a ftc fraud affifavit and numerous legitimate police reports