WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.
My vechile was totaled out by the at fault driver 's insurance company. My loan company was aware that the vechile was totaled out. My loan company has not or did not contact me at all since XX/XX/XXXX. I was in dispute with the insurance company so the insurance company contacted my loan company and lied stating that they the insurance company could not get in contact with me. I have attached screenshot showing communication after the date of when the loan company states they sent 10 day letter to the wrong address. So my loan company took the insurance companys side and put the unit out for reposession without any foundation. When I found the car repossessed I called the loan company and was not able to speak to the total loss department about the issue and also found out that the address that they sent the 10 day letter was the incorrect address. I have updated my address 3 months after I got the loan. My issue is that the loan company has never called me to inform me that the insurance company had contacted them and I know they have the correct number because I've had to open previous cases against this company due to numerous calls in one day several days in a row they have made. I was also informed that this is going to show as a reposession on my credit and it should not as it was a total loss and the company was aware of this.
Vehicle was totaled. Requested payoff to clear off account. Ally financial stated amount to close account and provide clear title. Insurance company sent check for that amount. XXXX months later ally collection is harassing me at work, calling numbers that have been requested to be removed. Bulling my XXXX year old grand father ( no clue how they got his number, he is not a signer ). Refusing to send me a statement of what is owed. Every agent I talk to gives a different amount and reason of why it is owed. Agent in total loss department stated all was cleared off and not sure why I am getting these calls.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I never did business with the company XXXX XXXX and that I disputed it 2 times and both the company and the credit bureau never provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
XXXX XXXX keeps calling me and my family members. They have called my place of employment. I have asked for a letter and have received nothing. They keep calling after I asked them to stop.
I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect
On XX/XX/2018 my account was compromised with an electronic withdraw of {$390.00} that I did not authorize. I reported the transaction immediately at the XXXX, PA branch and closed the account. I was told that I should be reimbursed for the funds that were taken from my account within 6-8 weeks, it is going on 10 weeks and I have not received my funds back ; the claim is still pending and I feel like I'm getting the run around when I talk to the bank. 

I was mailed out an affidavit to sign and notarize more than a month after the claim was opened ; I have since found out this should have been given to me to me the day XXXX filed the claim or shortly thereafter. I'm certain this would be cleared up by now if the proper steps were taken. 

I have most of my bills paid through automatic withdraw from my creditors and there were a few that were pending, I left money in the account to cover the withdraws for my credit cards. However, there were 2 payments that I was not able to stop, the bank made the payment which overdrew my account. I specifically asked the person that was assisting me with this issue if payments couldn't be stopped and the account became in the negative how that would be handled. She told me that it would be alright, that when the {$390.00} was put back into the account it would cover any overdraw of the account. In the meantime I requested a provision fund deposit ( which I was told could be done ) of the {$390.00} into my account until the claim was settled to cover the negative balance of {$140.00}, this was approved which I have a voicemail stating so. The provisional funds were not deposited and now the bank has charged off the account. I feel that Citizens bank did not do their due diligence in handling my fraud claim starting with not giving me the paperwork that needed to be completed in a timely manner, then by charging off an account that is in a fraud claim status through no fault of my own. 

I have attached a copy of the fraudulent check that Citizens bank paid. The address on the check is not my address, I do not even know where this address is.
I have a mortgage with Wells Fargo, which I have been in default with for several years. My issue with Wells Fargo is that in the early stages of the default, I called the bank and stated that I wanted a modification. In good faith, I sent them 4 payment. They in return sent me a letter stating that they would divide the arrears by 12 and add it to my current monthly mortgage payment. I knew that this was not a modification. I stated to the representative that I could not afford to catch up with the arrears at that time and I wanted a modification. I was told that I should not bother with a modification, because I would not qualify. I was struggling with child support and needed relief. 

The foreclosure started and I could not afford an attorney, so I tried the best I could to defend my rights. Wells Fargo transferred the servicing to XXXX and their attorney 's. 

About 2 months ago, I heard in the news that Wells Fargo set up a fund for loans that they should have modified in 2015, but failed to do. I feel that I am one of those people and deserve an opportunity for a modification. XXXX XXXX XXXX is unwilling, but I feel that they have an obligation to submit, or question Wells Fargo. 

My home has a value of approximately 500,000. The balance  with arrears is XXXX. I have seen mortgage statements of Wells Fargo customers with modifications. I can't understand why I wasn't given the same opportunity. 

Wells Fargo needs to review and do something about this. If they set up a fund, but know that they transferred the serving, what good is that to a consumer.
XXXX XXXX keeps contacting my parents and grandparents who live in completely different households and states.
XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..
Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX.
I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report. 

Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ). 

In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ). 

About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve. 

Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.
On XX/XX/2019 I received several calls at work and to my cell phone from someone stating the doll listen very carefully this call Is to the resident to attempt will be made to deliver a certified summons to ( last name ) for  further information contact the issuing attorneys office handling the matter immediately at XXXX This was left on my cell phone and my office phone. The receptionist at my job also told me that this person needed to give me an official summons, he told my job. Not cool. Then made several attempts to call the receptionist to reach me again. I called the number and began to ask questions of why I was being sued, who was or what this was all about. He stated because I owe a company XXXX. He began to insult me and call me XXXX  for not knowing there was interest on the fees. Using words like XXXX and XXXX  youre a XXXX XXXX how XXXX  I was and know wonder why I joined the XXXX and lost us the war. Insult after insult and laughed at me. After asking how can I fix this and if I can make payments he began to say that he was going to record me as not willing to pay and being uncooperative and then proceeded to hang hang up on me. After researching this, between insults he did give me info. I found out that XXXX XXXX XXXX  is behind this. The number in my voicemail is saying they are a law firm. When I call XXXX They answer the with the name of some law firm. However the person in charge of my account wouldnt not repeat the name to allow me to write it down. I tried to reach someone else and they defended the behavior of this guy insulting me and deemed it okay to threaten with suing me because I couldnt afford XXXX dollars. I do not owe this money and they are trying to get more from me than what is on my credit report.
XX/XX/2016, we received a check from Wells Fargo Home Mortgage in the amount of {$24.00} with a letter containing the following statement : " During a recent review of a transaction that paid off your refinanced mortgage account, we determined that you were charged excess interest. Please accept our apologies and now that we are reminding the amount due to you. '' This was from a refinance we did almost FOUR years ago. We consider this very sloppy business practices regardless of the amount. We also have zero confidence that this amount refunded is accurate. Is it acceptable for Wells Fargo to take almost four years to return over charged fees? How can we be assured that the refund was accurate? Yet another instance of Wells Fargo abuse of consumer trust. 
Thank you for any help or information you can provide. 
XXXX, XXXX, Arizona
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.
I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt, after it was charged off by the original creditor, to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation.
My student loan is from a private lender called AES ( American Education Services ). I believe this company is operating fraudulently! If you search online you will find numerous complaints similar to mine. Because they are a private lender they claim they can do what they want. 
Heres the issue : I have an excellent credit score and make timely payments every month. In the past I was making extra payments. I occasionally get a letter from AES that says there are new terms to my loan repayment. Each time that letter is a recalculation of my balance and it keeps getting higher! 
It is impossible to ever pay off the loan because once you get close they recalculate and increase the total again. Ive been paying on this $ XXXX loan since XX/XX/2007 and have gotten these letters numerous times. Yesterday I received one and it shows that although I had the principal paid down to $ XXXX, they have recalculated and are adding fees and I now owe almost $ XXXX! This is fraud. I truly believe they are operating dishonestly and illegally. 
Im a hard working individual who pays every month and even was making extra payments on my loan. Im not asking to get my education for free or to not have to pay back my debt. Im happy to pay back my debt and interest however what this company is doing is wrong. This is something that needs to be stopped! Help!
I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.
Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!
XXXX, Trans Union, XXXX counties to allow XXXX XXXX to keep a bill on my credit in The about of XXXX. Which was paid my insurance. My insurance company has also called XXXX XXXX a number of times about this debt and they still refuse to remov it. All three credit agencies says it has been verified. But no one can prove how it 's being verified. Yes they know my name Date of birth and social Security number, the bill is from two different hospital stays XX/XX/XXXX and XX/XX/XXXX. Both bills was paid my my XXXX XXXX. I also had Florida XXXX with the hospital failed to bill, because it does n't pay a lot. This is a violation of the FCRA. Please read attached information, where focus financial admits that they receive a call from XXXX about paying for the bill. I will also attach information proving I have to go to state XXXX. This bill is a result of insurance says hospital billing error and should have never touched my credit.
My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?
XXXX XXXX  XXXX sent a letter stating the item would be deleted from my credit report. The item still remains and Trans Union keeps stating the item is verified. How are they verifying an item that should be removed as per the creditor. I am requesting this item be removed asap. Seeing as how as a result of my letter requesting validation, XXXX was unable to validate and lettered addressing removal. Trans union should not be marking this item as verified. Please see letter and credit report attached that shows they are still stating this item is verified.
HeyI would like to know who I can file a complaint with about American education services, AES. I got a private student loan with XXXX in XX/XX/XXXX, they sold it at the end of last year to a company I can not not locate any information on. I have paid off XXXX loan and have been paying on another through them. I called last month and asked if I could have a smaller payment since I had some extra things come up. There rep said I was paid up until XX/XX/XXXX and I could just pay an interest payment with no issue, so I did. Then I started getting emails and phone calls about my delinquent account. I called and was told the XXXX person I spoke with was completely incorrect and that they would put it on my credit in 60 days if not caught up. I have been trying to get extra work and sell things to do that. They could do nothing else to help me but would file a complain on my behalf. I got another letter stating they were going to report it to my credit in 30 days if not paid. I called because now a manager has lied to me as well as a rep. I was told today that it was basically my fault for listening to their rep and that their is nothing they will do to help keep the delinquency off my credit. I would like to know what I can do, that is so wrong and I wont get any extra money until after the 30 day mark. I want them investigated too, maybe they are just as corrupt as XXXX student loans. But they are out of PA not AR .... can you give me any assistance on who or what I can do!! 
Thanks
wells fargo in nj opened a business account without my authorization in early 2015 and also lied about fees not being charged on a wells fargo account i have heard nothing about this. please let me know how i gt part of class action suit NO ONE has contacted me
I called in XX/XX/2018 to get a fee waived for late payment. I advised the representative the payment had been made a week before its due date. He indicated I had to many fees waived in the past, and I would have to pay the full amount because it was received late. I advised the representative I would pay, but to cancel my account. I sent in a payment for the amount noted. Sears went bankrupt and turned over collections to Citi Bank. I start receiving robo calls from Citi Bank in XXXX. I wrote a letter to Citi Bank XX/XX/XXXX asking for the calls to stop, and noting the account had been paid in full and canceled. I received a letter back stating to call their collections representative. I called and have not been able to speak to an individual. All the numbers listed go to a touch tone service for arranging to make payments. Since I do not have a Citi Bank account, the number for them simply cuts off. The collection agency reported the incident to the credit bureaus, and it has negatively impacted my credit rating.