WillisBack/dataset-financial-user-claim huggingface dataset:
I AM A US CITIZEN LIVING IN XXXX. I HAVE A CHECKING ACCOUNT WITH CITIZENS BANK OF PENNSYLVANIA, XXXX XXXX XXXX. I HAD A DEBIT CARD ASSOCIATED WITH ABOVE ACCOUNT THAT EXPIRED XX/XX/XXXX. PREVIOUSLY EXPIRED CARDS WERE REPLACED AUTOMATICALLY. THIS TIME NO CARD WAS FORTHCOMING. I HAVE CALLED SIX TIMES THE TWO XXXX NUMBERS PROVIDED TO DEMAND A REPLACEMENT. EACH TIME I WAS TOLD IT WOULD BE SENT ASAP. THE MOST RECENT TIME I WAS TOLD IT WOULD BE SENT XXXX. NO CARD HAS YET ARRIVED. MY LAST CALL WAS YESTERDAYXX/XX/XXXX. EACH TIME I TALK TO A DIFFERENT SERVICE PERSON TO WHOM I HAVE TO REPEAT A LITANY OF SECURITY INFORMATION AND RECOUNT THE PROBLEM IN DETAIL. EACH CALL HAS LASTED MORE THAN 30 MINUTES, SOME OVER AN HOUR, SOMETIMES BEING PUT ON HOLD INTERMINABLY TO CONSULT A SUPERVISOR. SPECIFICALLY THE PROBLEM REVOLVES AROUND THEIR NOT BEING ABLE OR WILLING TO VERIFY THAT A CARD HAS BEEN SENT AND NOT BEING ABLE TO GIVE ME A TRACKING NUMBER FROM XXXX WHICH I NEED TO CALL THE LOCAL OFFICE IN XXXX XXXX TO DETERMINE IF IT HAS ARRIVED. THEY TOLD ME THAT A CARD HAD BEEN SENT BUT RETURNED UNDELIVERABLE, BUT XXXX DENIES THIS. I ACCESS MY RETIREMENT INCOME PAID TO THE CITIZENS ACCOUNT USING THE DEBIT CARD. WITHOUT IT I CA N'T GET MY MONEY. I NEED THE CARD NOW OR SOON I WILL BE WITHOUT CASH AND DESTITUTE. THEY MUST, IF AND WHEN, THEY SEND THE CARD, GIVE ME A TRACKING NUMBER. WITHOUT IT THEY CAN GO ON OBFUSCATING ( SHOULD I SAY LYING? ) INDEFINITELY. THEY ( THE SERVICE AGENTS ) SAY THEY ARE NOT IN CONTACT WITH THE XXXX OFFICE AND HAVE NO WAY OF SENDING ME A TRACKING NUMBER ; LIKEWISE, THEY WO N'T TELL ME WHICH XXXX OFFICE WILL SEND THE CARD, WHERE IT IS LOCATED, AND WHAT ITS TELEPHONE NUMBER IS. FOR TWO MONTHS I HAVE BEEN CALLING IN VAIN. I NEED MONEY NOW. WHO CAN MAKE THIS BANK SEND ME MY CARD?
I requested to validate the alleged debt on   XXXX     via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau   of Ft. Walton Beach re ceived the registered letter on  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.
I'm a XXXX XXXX XXXX, currently serving XXXX XXXX with the Superior Court in XXXX. I've been making student loan payments since XX/XX/XXXX, and hope to have my loans forgiven under PSLF sometime in XXXX. Two of  the payments I made in XXXX have not ( yet ) been applied toward my 120 payments needed for PSLF. 

I got a new IBR amount in XX/XX/XXXX, and made a payment for the IBR amount in XXXX and XXXX ( see attached bank statements showing I made on-time payments to XXXX XXXX XXXX in XXXX and XX/XX/XXXX ). I then realized that they had miscalculated my IBR payment ( if I recall, they had used the wrong family size in making my calculation ), and my payments were approximately $ 80/month too much. 

I contacted them about that. It took them several months and phone calls, but they eventually reimbursed me the {$160.00} they owed me for the over-payments I made in XXXX and XX/XX/XXXX. However, the way they did that was to reissue the bills and apply the money I had paid in XXXX and XXXX to these new bills. Because it then looked like I had made the payments after XXXX and XXXX, they retroactively applied a administrative forebearance for XXXX and XXXX ( they helpfully say they did this so I wouldn't be turned over to collections! ). Thus, they say I did not make PSLF qualifiying payments in XXXX and XX/XX/XXXX, even though I did make payments in those months ( and the amount was actually over what I truly owed ). 

Since then, I've called them multiple times about the fact that these two payments are not counting toward PSLF but should. I called them in XX/XX/XXXX, and they told me it would be " reviewed '' and I'd get an answer after 90 days. I then called in XXXX ( 90 days later ), and was told the review was still being processed, and that it was 90 business days, not 90 calendar days. Then I called in XXXX ( 90 business days ) and was told the review was still being processed, and there was no timeline at all for when I might get an answer. 

I believe I also called in the spring and early summer, but got no resolution. Then in XX/XX/XXXX, I called and the person I spoke to claimed she'd be able to fix it, but it of course has not been fixed. 

I've called again multiple times in the last couple of months, and was told that it is now in the Quality Assurance department, and they have no timeline for completing reviews, but it could take 3-4 months. I was told I can not speak directly to the Quality Assurance department, and can not be cc 'd on the email making the request.

This is all so that two payments that everyone agrees I made can count for PSLF. It's now been 20 months since I first made the payment in XX/XX/XXXX. I would appreciate any assistance your office could provide in resolving this matter.
On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.
For over 30 years I have had a credit card account with Chase. A few months ago I decided to add an authorized user on my account because I had n't used the account in quite a while. Well from the moment my authorized user began using the account it was one headache after another! Now I appreciate and understand Cjase wanting to make sure that no funny business is going on with the account but what they did and are doing should be illegal. I informed Chase in writing that the account would be used by my authorized user and at which stores, dates and approximate amounts spent. Well they kept freezing the card and I would have to call them or wait for them to call me to verify activity on the account. This happened at least 5 times in 3 weeks. In XX/XX/XXXX I put in for a balance transfer offer that Chase was doing at the time for a couple of credit cards that I had some small balances on. Bear in mind these were my own accounts in my name only. Well Chase decided to shut down my account, remove my authorized user and not communicate with me as to why it was being done. My credit limit was {$26000.00} and there were approximately {$14000.00} worth of charges to the account including the balance transfers. For 2 weeks every time I tried to call to get information about what was going on I kept being told that I would have to wait for someone in another department to call me. The call never came. Then I find out through my authorized user that Chase closed the original account and set up a new account with a XXXX balance. I never received a new card, a letter or anything explaining what was going on. So when I call then XX/XX/XXXX they tell me that I need to go into a branch with a valid photo ID before any information can be shared with me. Despite the fact that I have a credit alert on my credit report which gives my number to call to verify Chase never did that. If I had been asked to go into a branch back in XX/XX/XXXX when this all began I absolutely would not have had a problem doing so. However, it was a month or so later after they had taken all of these actions without so much as a phone call or letter of explanation. And if I had not been made aware of the new account and called myself I never would have been notified that they wanted me to come into a branch. And to top it off last week after showing that the balance is XXXX and refusing to give me access to my account online, they withdrew a payment from my authorized user bank account for payment! My authorized user bank account info was on the account because they had agreed to have payments come directly out of their account since they were using the account. It was really all about rebuilding their credit. So I want Chase to either give me access to my account and send me new cards or to stop reporting this to the credit bureaus. They took over my accounts as completely as any identity thief ever could!
On XXXX XXXX, 2017 XXXX from XXXX XXXX XXXX called to inform me that I owed for the newspaper that I never received. Now I 'm receiving a collection letter from them.
On  XXXX   XXXX , I suffered a total loss o f Vehicle  while account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX , Bank of America AGAIN reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous compl aint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .
I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?
I subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.
After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away.
On XXXX XXXX, XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding this matter.
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.
i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. 
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. 
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. 
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. 
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. 
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. 
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.
I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.
This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.
Over the past 5 months I have been seeking a resolution to a problem with the manner in which my home was foreclosed. Wells Fargo has not responded in a satisfactory manner to questions or issues I has consistently questioned. my home was foreclosed on after providing information to reinstate the loan. Previously the information had been accepted in lieu of work out options. There was one single item questioned. there was a request to verify service at the home. There service documentation was provided via a bill that noted the service address but the bill was mailed to a XXXX.
I had moved to overseas on XX/XX/2015 and I used live in XXXX and while I was in XXXX temporarily, I think my information was stolen and someone ( Maybe my room mate ) had used my information and opened a card and never paid. 


WF Acct # XXXX
I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Vin # XXXX I have refinanced my vehicle with chase bank i have not been able to get DMV tags since XX/XX/2017. DMV is not clear who is a the lean holder on the title is. I have called chase bank many times and send them all the required documents but they have not able to help me to get my vehicle registered since XX/XX/2017. This vehicle was for my big family to travel and enjoy but it has been a headache since I refinanced with chase. I been making every monthly payment for this vehicle but have not been able to drive it.
I purchased a condominium in XXXX 2015. I have excellent credit with a score of XXXX at that time. I sought out, and got preapproved for fixed interest rate 20 year and 30 year loan terms for 3.75 %. when I made my offer I was told the condo units needed XXXX approved financing and that I would have to use their mortgage company : pinnacle Capital Mortgage XXXX. So I talked to my preapproved banks and they agreed I had to go with such a bank, and they were not approved for it. I went through pinnacle and I am upset that their interest rate was 4.25 %. So, I feel I had no choice but to pay the higher interest rate. All the terms were the same and the only reason the loan officer would state was that " it was a condo '' so I had to pay a higher rate. I just feel this was unfair and should be reported to the proper agency to investigate. They have sold many condo units and was told they provided 90 % of the financing on them. Incidentally, my loan was sold from Pinnacle to XXXX mortgage 1 month after I closed the transaction.
Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX