WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX - 1st found out that I had Sallie Mae loans in my name ( XXXX ) and federal ( XXXX XXXX ) and have determined that XXXX XXXX obtained these loans fraudulently without my authorized signature, and also without loan entrance counseling. I contacted Sallie Mae Allegations and Fraud Department, Office of the Customer Advocate, police department, XXXX XXXX, XXXX, Florida Attorney General, XXXX XXXX XXXX. I have documents ( time sheets ) that show that the date all the federal and Sallie Mae loans were applied for, reviewed, acknowledged, processed, and signed for that I was at my place of employment with no access to a computer and social media that evidences that after work I was at a dealership test driving a car. I also received no benefit from the loans as XXXX XXXX misrepresented and when I requested XXXX as my major, XXXX told me I had to take XXXX XXXX first ( which I found out in XXXX XXXX that XXXX XXXX did n't even have a XXXX program at XXXX in XXXX XXXX when I applied! ) I now have totally useless credits from XXXX XXXX and have begun college education all over again, from the very beginning. 
XXXX XXXX - submitted paperwork to Sallie Mae  Allegations and Fraud, as instructed by XXXX in the Sallie Mae XXXX XXXX, with police report, affidavit, and documentation. 
XXXX XXXX - Sallie Mae denies my loan discharge due to fraud. I request IP address of where loans were generated, and am denied this information. I believe the IP address would further validate my documentation that these loans were obtained fraudulently in my name without my authorized signature. I also request documentation of their investigation as to why the discharge was denied, and am also refused this information. XXXX XXXX - I resubmit documentation with new evidence that my Sallie Mae loans were obtained fraudulently and with no loan entrance counseling ( this is a federal mandate ). I sent this paperwork to Sallie Mae Allegations and Fraud and Office of the Customer Advocate. Calls have been placed in regards to status and determination, as well as certified letter sent XXXX XXXX XXXX requesting update. I have received no update or decision or request for further information from either Sallie Mae Allegations and Fraud Department, or Sallie Mae Office of the Customer Advocate as of today, XXXX XXXX. One phone call placed to XXXX XXXX. and XXXX stated that XXXX, my XXXX XXXX would be calling me to discuss. I have never received a call from XXXX. I would like the IP address and status update that customer service has not provided. It has been over 2 months since filing my appeal for loan discharge based on fraudulent loans, and I have had no communication from Sallie Mae. They also began billing me for interest for the fraudulent loans, even though I am still in school, and I have filed for fraudulent loans, and have requested loan payments to stop. I am fearful to stop paying them, as I do not want to jeopardize any financial aid grants I may qualify for as I have begun all over again my college in XXXX XXXX. 
XXXX XXXX, XXXX - still no response from Sallie Mae.  Thank you very much for your help.
I went to an emergency room and paid the {$150.00} required along with my insurance. I only found out that they had put something in to collections when looking at my Credit report. I received no phone call or letter with the itemized bill, which of course they should n't have been XXXX seems my insurance paid for it. 

They have no number for debt collection or disputes of billing. I refuse to pay it considering I have no written letter or email or agreement to pay any bill. My insurance would have covered it. 

Thank you.
Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.
I called Experian about inquires I do not recognize and I did not give authorization to. During the phone I was told that these are a statement of fact which they can not do anything about. 
I mailed a request disputing these same inquires and was told that these are a statement of facts again and they were not removed. 
I contacted XXXX and XXXX and had the inquiries removed due to the creditor not providing proof of having my authorization to access my credit file. 

The following inquires are the items I am disputing : Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX and XX/XX/XXXX a month apart! 
Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX
I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment. 

I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency. 

As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital. 

This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX  ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Nationstar Mortgage referred my loan to foreclosure at 90 days past due. I inquired why as the new regulation prohibits referral XXXX XXXX legal ) before 120 days past due. I had to send the CFPB information into them as the Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX stated he refers all loans 90 days past due to foreclosure, and he was unaware of any CFPB requirement. 
Last Payment of {$1400.00} was received on XX/XX/XXXX due amount of {$6900.00} Is due ImmediatelyNext payment of {$1400.00} due on Sunday, XX/XX/XXXX started with me calling in on XX/XX/XXXX to make a payment and was told that I needed to have XXXX payments. I explained that my tenants had sent in a check as well, and I had another payment set up for XX/XX/XXXX. I also explained I had a retention bonus of {$11000.00} payable to me on XXXX XXXX, 2015. I was told that if the XXXX payments could not be made that I would be referred to Foreclosure. I inquired as to why I was not offered any form of Loss Mitigation, the young lady explained because I had tenants in the home. I explained that I had to relocate due to my job, and that was an exclusionary with FHA XXXX exception ) and not only that proved that I could reinstate in full the loan ( with bonus ). I thought these were scare tactics as I know the loan can not be referred until 120 days past due. When I got the call on XXXX/XXXX/15 and was told my loan was referred to foreclosure, I was surprised. I wrote a complaint letter on XXXX/XXXX/15 and emailed Nationstar. I received a call from the complaint department stating they would respond by XXXX XXXX, 2015. I then received a call from XXXX XXXX stating that he spoke to his compliance department and he was within his right to refer my loan to foreclosure at 90 days. I inquired if/what my account had accrued legal fees and the name of the firm. I was told he would get the figures for legal costs and fees and I was referred to XXXX. Nothing has been addressed about no offer of Loss Mitigation or the fact that I proved that I had a retention bonus of {$11000.00} before my loan would be 120 days past due. In no fashion has Nationstar tried to work with me. This is the XXXX time my loan has ever defaulted XXXX rolled 30 days on XXXX ), it is not like my account is chronic. ( over 30 days XXXX. I explained my reason for default was I am in a middle of a divorce and the tenants had a troubled XXXX and fell behind in their rent to me on the XXXX of XX/XX/XXXX ( XX/XX/XXXX ). Once again, my loan has never been over 30 days late since it was originated in XX/XX/XXXX 
This is the XXXX issue I have ever had, and shocked at how there has been no foreclosure prevention on my loan as suggested by the title of the representative that has been corresponding with me. 
I bring this to your attention as I am concerned for other consumers that have their mortgage with Nationstar. Even with writing a complaint letter and sending a copy of my retention bonus have they pulled the loan from foreclosure.
XXXX XXXX XXXX sold our mortgage to Selene Finance on XXXX. We were 1month behind on payments at time. Despite our efforts we could not catch up and were being charged unexplained fees from Selene, they also mishandled our insurance payment that year. We were approved for a mortgage modification on XX/XX/XXXX, with a trial payment period of 3mths XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They put new adjusted payments in an unapplied account, then said our XX/XX/XXXX payment was returned for ins. funds-our bank statements shows it cleared. XX/XX/XXXX they sent a notice of default with intent to accelerate, said we broke the trial agreement. The payment that they reversed XX/XX/XXXX has disappeared completley-they took it. Now we are back to square 1 with them but we owe even more. Corporate advances charges keep increasing each month-they said this was for postal and inspections?
Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
i have been fighting with bank of america for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 10 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XXXX XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XXXX XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XXXX XXXX at " the battery shop '' for XXXX at that time the account was closed with a zero balance, how could a debit occur when there was a zero balance?? they can not answer, furthermore ive been a mechanic all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about XXXX $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XXXX/XXXX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS BANK OF AMERICA IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY XXXX!!!!! i can go on and on and on, the total XXXX when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games & gt ; & gt ; just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY BANK OF AMERICA IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, bank of america at least should have been out of my life with this frivolous sh-t on XXXX/XXXX/XXXX and they are over 2 months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XXXX, this is totally XXXX, nonsence!!!
I recently viewed my credit and noticed an account that does not belong to me and has seriously affected my credit profile. Carter Young Inc. is handling the collection of this account which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Carter Young Inc. and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Carter Young Inc. as a business entitled to enforce a commercial claim against me.
These people are calling my daughter, my parents who are XXXX years old. Last call was on XXXX to my parents upsetting them. On XXXX they contacted my daughter who live in Pennsylvania and works for the Federal Government and this jeopardizes her job. 

The reason for the mistake is the payday loan people double payments which forced the bank to close my account due to insufficient funds when my rent check, insurance checks everything bounced. I was then given a 3 day notice to quit. I almost became homeless. 
They call 5 to 6x times during the day while I'm at work STOP IT!!!!!!!!!!!!!!!!!!!! 

I already have a garnishment from the IRS, STUDENT LOANS, FRANCHISE TAX BOARD, so I don't know how they aspect to garnish my wages. I am not an expertise on the law but I already have 3 garnishments
An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse it.
Citi Banks has failed to open an account under the Fair Credit Reporting Act. Citi Bank has failed to transfer funds under the Electronic funds Act, from the XXXX to, Citibank N.A.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX   and reporting Full termination, balance owing on XXXX and XXXX.
At Experian, and XXXX XXXX, the later couldn't let me through, and Experian would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.
AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT
On XXXX XXXX, I called Navy Federal Credit Union in regards to relief from XXXX XXXX and was told that because I have a " VA Loan '' that they can only offer a forbearance rather than a deferral of mortgage payments. I feel that this policy discriminates us veterans, especially in such a time of need.
I am an idenity theft victim verified by the IRS and Social Security there is a bank account that I am not aware of that has funds that were intended for me I had Bank accounts with XXXX, XXXX XXXX and Wellsfargo i think that an account exist with wellsfargo or the investment brokerage involving Wellsfargo Bank a crime ring has reportedly transfered XXXX XXXX dollars a week from an account related to my name and social security number it is under investigation by XXXX Police Officer XXXX XXXX XXXX