WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried and been lied to about my student loans, I have not worked since XXXX till now, we did our XXXX income tax and the XXXX XXXX XXXX XXXX took our federal refund ... .I have never been told or received any information on them taking anything ... They took it from my husband we have the form to get it back. Also we received a letter from Navient post claim assistance and XXXX on XXXX XXXX, they have stated they can take all m XXXX, I am n had health, so they said there going to take my husbands, even though I have spoke over phone, wrote to them he never signed or told anyone he would cosign for me. They were told, also this company is not the only one, I Sent money for a year because it i would for one year Navient and XXXX would send me all paperwork to get into the program to be free of all student loans. Ok, after that FTC sent me a check from XXXX and then XXXX University sent me two separate mailers that were notarize from state that they XXXX University paid all my student loans.I am tired Sallie Mae, Navient and many other companies, I with different amounts they say I owe. I do not owe, listen don't just do this for me, do it for all the others they need to get off this roller coaster, I will, i had a XXXX XXXX on the XXXX of this month, so maybe not much longer.
Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up.
1. " XXXX '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of XXXX, just that it is actually Wells Fargo 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.
EXHIBIT  XXXX  - herein annexed.   Personal information, page   XXXX  of  XXXX   of  XXXX  credit report number  XXXX , Dated    XXXX   XXXX   XXXX      showing  XXXX   XXXX   address with  an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.  <P/> On    XXXX   XXXX   XXXX     ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any  XXXX   XXXX   address i n their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX  address must be removed from ALL credit reporting agencies.  <P/><P/><P/> EXHIBIT  XXXX  - herein annexed.   Account  in good standing page   XXXX   of  XXXX  showing   XXXX   XXXX   with the same Addres s identification number  XXXX  that establishes a link between  XXXX   XXXX   address  and this credit  grantor,     XXXX   XXXX    <P/> On   XXXX   XXXX   XXXX    ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX    address  in their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX   address  must be removed from ALL credit reporting agencies.
On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?
I received an offer to open a Citigold checking account, make bill payments and debit card purchases. This offer was valid until XXXX XXXX, 2016 and had the terms of doing the following within he first 60 days to earn a promotional XXXX. 
Debit card purchases of over {$1000.00} Two consecutive months of bill payments I opened my account on XXXX XXXX, 2016 specifically for this promotion and met these terms with bill payments in XXXX and XXXX and debit card purchases greater than {$1000.00} prior to the 60 days. 
I followed up with Citi in early XXXX to confirm when the promotional miles would post to my account and they responded a week later saying I did not qualify for the promotion, which is blatantly false. I immediately contacted them again and they said they would research the issue and get back to me but did not have a timeframe they could commit to because they are busy. These are classic illegal business practices taking advantage of consumers, including but not limited to : Deceptive advertising Bait and switch Run around I met the requirements of the offer, Citi has confirmed this. I am owed the miles that Citi has promised based the terms and conditions of the signup bonus they offered me, that I have met and included in the attachment to this complaint. I want this resolved quickly without further runaround and delay. 

This is an account that has a $ XXXX monthly fee, so be stalling they are costing me money and opportunity cost for other honest businesses that uphold their commitments to their customers.
I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them.

2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature.

3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ).

Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act.

This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency
BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times
My mortgage loan was sold during foreclosure proceedings and I was not given prior notice. I received the notice on XXXX XXXX 2016 and the date ownership transfered was XXXX XXXX 2016.
The interest is ridiculous I have been paying XXXX monthly for 5 months and still arent done paying till XX/XX/XXXX. I only borrowed {$800.00}.
On XXXX XXXX XXXX I wrote a check to XXXX XXXX XXXX to hold an appartment for me. That same week I decided against that apartment complex and called up told them I changed my mind and wanted to pick up my check. They assured me that it would be destroyed and there was no need for me to come get it. Fast forward to XXXX of this year XXXX. The check came out of my account on XXXX XXXX XXXX. There was no signature but mine and no endorsement. I called Bank of America up right away and reported the fraud. At first they would not accept my claim because they said I wrote the check and it was my responsibility to get the money back. After a few days of me calling obsessively they agreed to investigate on XXXX XXXX XXXX. They refused initially to give the money back to me in a credit but they decided to do so shortly after the claim was submitted. Fast forward to XXXX XXXX. There was a debit that came out of my account for the said check. Immediately I called Bank of America and they said my claim had been denied and that they had sent me an email stating the reason and the date the temporary credit would be taken from my account. I have received no such letter. As of XXXX XXXX I have called everyday trying to get copies of that denial letter and a copy of my fraud statement that I sent in to Bank of America in late XXXX early XXXX. They keep giving me the run around. Today XXXX XXXX I called again to get my information and they were having technical difficulties and I was advised to call back in an hour. Since this debit my account has become overdrawn and my checks returned. I have tried to explain to Bank of America that I did not even have any notice or time to make sure that debited amount was in my account so that I didnt have these issues and it has fallen on deaf ears. I just want them to admit fault and return my money back. It is not right because this is a clear case of fraud and a stale dated check and they told me Its my responsibility to get money back from I do not even have a clue. Ive been a customer for almost 12 years and I have never been so wrongly treated.
I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.
I was selling furniture on XXXX and had a buyer for it. He sent me a cashiers check for a larger amount than the offer for the furniture. The buyer told me that the extra money would be for the people picking it up. The cashiers check was for {$2300.00} vs. the amount for the couch of {$250.00}. I went to the bank on XX/XX/XXXX thinking that if the check was not valid, they would not cash it and vice versa. I went to the Bank of America branch in XXXX XXXX, CA and they cashed it in full for me as I was to give cash to the movers picking up the furniture. The buyer than told me there was a change in plans and the movers needed the money before scheduling the move, so I transferred {$2000.00} via XXXX that same evening. I realized later that evening that this was part of a scam and I called the fraud department for Bank of America and had no luck. I went to two different branches and they told me that if the cashiers check turns out to be fraudulent, I would be responsible for the funds. What made me upset about Bank of America is that they were easily and quickly able to identify that the cashiers check was not legitimate as it was missing some information, but the lady that cashed the check the day before did not catch it. They also told me that Bank of America would be quick to discontinue the relationship that I have had with them as a customer for 9 years. The check has proven to be insufficient and my account sits at - $ 2,000+. I have filed a report with the police department, the federal trade commission, and have voiced my situation with BOA a few times. They refuse to help me during this time and made it clear that I was responsible for the money. I do not feel valued nor protected as their customer, and am disgusted at the inconsistent training of their tellers. Had the man I spoke with the very next morning been the one to receive the cashiers check the day before, he would have caught this errors, or had the teller been trained correctly in identifying fraud checks like he was able to, I would not be in half of the situation I am now. I am now being harassed by the supposed buyer, have been through loops to get this resolved or any help, and am furthering this process by reporting to the internet crime complaint center. I mention the steps that I am taking so that you can understand that I was a victim of fraud and did not know this until after cashing the check and transferring to them unfortunately. I am trying every source that I know to help rectify the situation, and BOA will simply not help nor protect me in any way. I have attached pictures of the cashier 's check and have further documentation via text messages and emails regarding all communication between myself and the fraudulent buyer, as well as the email that they had my transfer the money to. I can easily supply this communication from texts and emails when requested, as this is captured through multiple screen shots.
I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.
I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
They refuse to refund a misleading product. This needs to be addressed. Equifax is terrible period.
Through a mortgage broker, XXXX XXXX, I submitted a loan application for the refinance of a duplex investment property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. HQ : XXXX XXXX. The loan officer at All Western who quoted the loan rate was XXXX XXXX XXXX, XXXX. On XX/XX/2018 XXXX XXXX XXXX 's assistant sent me many documents to sign electronically, one of which included the Loan Estimate ( 3pgs ) and my application for the loan. The loan rate was 4.75 % for a 30yr fixed. This was the same terms that my mortgage broker XXXX XXXX had sent me prior to me agreeing to apply for the loan. He got that quote from XXXX. XXXX. I had been asking for a rate lock from XXXX and XXXX XXXX XXXX and his assistant for 4 days and hadn't gotten a response. 

Today ( XX/XX/18 ) I finally got a return call from XXXX. XXXX and he told me that he had made a mistake on the rate and that the 4.75 % " does not exist. '' I asked why that rate was offered to me in all the documents they sent me for signature yesterday and he said he didn't realize that the loan was not a primary residence. I asked why ALL the documents he sent me for signature indicated it was an investment property, if he thought it was residential. He said he didn't know. He then offered me loan options which included higher rates, longer terms, interest only or a combination of those. I asked him if he had an obligation to honor what he had offered me and I accepted and he said that my rate was floating. I explained that, # 1 I had asked to lock the rate for 4 days and # 2 this change was not as a result of the rate floating up/down ; it was a completely new rate with new terms. He just repeated that " it doesn't exist '' for an investment property. 

Please see copy of 2 relevant pages of the loan application that reflects the loan was for an investment property and a copy of the loan estimate paperwork sent to me with a loan rate of 4.75 %, 30yr fixed.
On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.
On XX/XX/XXXX, I applied for a budget drafting plan that would change the timing of my mortgage payments from one lump sum on the first of the month, to two payments every two weeks. I spoke on the phone with a customer service advisor from Fairway Independent Mortgage Co., who said that the budget plan would take some time to implement, and that I should make my mortgage payment online in full on XX/XX/XXXX. On XX/XX/XXXX, I submitted my full mortgage payment online. 

On XX/XX/XXXX, I saw that the company had again charged me the full amount of the mortgage, then followed up on XX/XX/XXXX with a credit for the full amount. The company then charged me AGAIN on XX/XX/XXXX the full amount of the mortgage. 

I received two overdraft charges during this week as a result.

I called the customer service line at the company, and spoke at length with a representative and then with a supervisor. They refused to refund the payment, saying that I had done so with their permission. The supervisor denied the XX/XX/XXXX charge on my account existed, and demanded I send him a copy of my bank records to a fax number he provided. He also said that at the earliest the company would be able to refund me at the end of XXXX, and that I should just go ahead and accept the charges. 

Not only did the company charge me three times for the full amount of my mortgage and refuse to refund me, but they also charged me twice in one month for the full amount, versus what I signed up for - half every two weeks. 

Also it is suspicious that the supervisor would ask to have a copy of the bank records, when the company was at fault, in order to process a refund that would apparently take over two weeks. Fairway Independent Mortgage is playing loosely with consumer finances, and will end up costing me hundreds in overdraft fees as a result of their incompetence.
A week before my scheduled airline flight, I realized that Chase had not sent me a renewed XXXX XXXX card ( XXXX XXXX is a perk that comes with the credit card and includes airport lounge access ). On the week of XXXX XXXX, I called the customer service number on the back of my Chase XXXX XXXX credit card. The customer service representative told me that if I did not receive my XXXX XXXX card before my trip I would be able to access any lounge and any fees would be reimbursed as part of the agreement. 

On XXXX XXXX before my scheduled flight, I did not receive my XXXX XXXX card and therefore I accessed a XXXX lounge and I charged my Chase XXXX XXXX credit card with the understanding that I would be reimbursed for the lounge access, per the customer representative recommended action. 

On the week of XXXX XXXX, I called Chase customer service to make sure that they were processing my reimbursement, however they stated that they could not reimburse my lounge access because the lounge that I accessed was not part of the XXXX XXXX umbrella. However, during my initial call on the week of XXXX XXXX, customer service did not state that the airport lounge had to be within the XXXX XXXX umbrella and only stated that any lounge access would be reimbursed. 

For my call on the week of XXXX XXXX, I asked for my case to be escalated and for my call to be reviewed. I called the following day and asked the status of my request and customer service stated that my case for reimbursement had continued to be denied. I feel that Chase is going against their word and is ducking their responsibility to, me, a lifelong customer.
Wells Fargo - offered and provided me a Deed in Lieu of Foreclosure in XXXX 2014. XXXX my credit report it list the ( DIL ) I have asked Wells Fargo numerous times to provide me paperwork that states this is done. Wells Fargo has sent me the same BS info - '' Property preservation is in the process of preparing the home for the transfer. This may include any repairs, yard work or clean-up that they deem is needed. Once completed claims will review the file, pull updated title work and have the DIL documents sent for recording. This recording is the transfer of the home out of your name and into HUD 's. Once recorded you will be able to obtain a copy of the recorded DIL documents from your local courthouse. 

Once recorded HUD will review the file and advise claims to complete the final steps to close out the file. This includes the issuing of any incentive funds and is typically 60-90 days from recording. 

For any tax related questions please contact our tax customer service lines at XXXX or XXXXThank you, It has been over a year and based on Wells Fargo inability to get this done in a timely manner that house now has a hole in the roof, water leaks inside and I still get tax bill and local water bills because Wells Fargo is not living up to their art of this deal
I filed a dispute ( # XXXX ) in reference to judgements placed against me that were paid and even faxed court documents verifying judgements were either paid or removed at which time my equifax score was XXXX. I had trouble talking to the people at equifax and asked for a supervisor and that person could not speak XXXX any better and we got into a XXXX match and one week later I see my score was dropped XXXX points without explanation or reason and when I asked for my report they tried to charge me for it even when it has been over a year since I got my last on ( XXXX 2014 ). I feelthey are not being fair in their reporting and have made it impossible for me to obtin a home loan thru my bank and the VA