WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''
Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number.
I have not had the option to buy on my Coinbase account since mid XX/XX/2017. This has resulted in me losing out on the potential in 10s of thousands of dollars in return of my investments during the peak crypto market.

Their customer service is horrible! I have sent them over 15 emails with little to no organic replies, just not email replies. They even hung up on me during a phone call that i waited over an hour to get through.
On XX/XX/2018 my employer paid me through direct deposit. TD Bank has an issue with their system that kept my paycheck from being deposited in my account. I was unable to pay bills because of this. They acknowledge they had a system failure that effected thousands of customers however they refused to rectify the fees and damage caused by THEIR technical failure
One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.
I checked my free credit report and there is a credit card ( XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ) that shows a {$5000.00} balance as of XX/XX/2018 ( from {$130.00} ). I have no recollection of ever making such a huge charge, ever receiving any billing statements showing these charges.
amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.
This nightmare started when the broker mortgage from XXXX gave us a loan tu buy this property, he said this is a good loan and they called Pick a payment .This form of is very bad, because if the loan officer does not explain well about the facts and the whole concept of this loan.Its dangerous of sending the minimum payment because if we did, the payment does not cover the principal and not part of the interests and it is like not paying anything.If we understand well this loan, we would no have to bought this house.After that XXXX   closes for made that kind of loans .My loan was transferred the Loan to the XXXX XXXX XXXXXXXX and we have to fight with them in order to get a other kind of loan because this loan we have was illegal, with the house crisis the property became underwater like a half price but nothing happen .I am in the loan, but the payment was made by me and my father. We had a hard time when my father suffers a XXXX XXXX very serious .We lost his income and I tried myself continue with the payments .But the medical expense were very high I talked to the bank for some kind of help, because I can in that moment continue with the payments, that situation can be temporarily, also my father come in XXXX for several months the bank accepted a new application because my father past away and we need to restart the loan payment, but Nationstar take 2 years in the new modification and never allowed to send the payment when we are ready to continue with the payments .in the middle of the negotiation the again transfer to another bank without telling us anything, also in that moment I want to file a complaint that because they had cancelled my home insurance and had ordered another very very expensive one with minimum protection and very high deductible.With all this I felt that this purposely delayed the modification, because they wanted to us to loose the house .I and my family have a real hardship with illness and deaths that was real.The new Bank called Mr Cooper has the responsebility to fixing this situation, And now I get married and this change all.I need the bank remove all the illegal charge they charge to my loan because this illegally increase the amount of the loan .With all this I want to request a new loan with a fairly monthly payment .I just do not want my senior mother, my XXXX sister and his baby became a homeless for many illegal o errors of the banks.I have had some lawyers checked the entire loan and find serious errors since this loan was started.The rent of the apartments are very high in this area and I could not help my mother .my sister and his bb to pay for a home for them .That is my request to keep the house, the only house we have for me and all my family Thanks for your time and hope we keep our house.
In XXXX I entered into a payday loan with XXXX XXXX to help a family member. In XXXX the family member died and I tried to make a few payments on this loan and then it became impossible. In XX/XX/XXXX I learned of the fraudulent practices in use with XXXX XXXX and then it's subsequent shutting of it's doors. I then began receiving calls from another company called XXXX about the XXXX XXXX loan. I sent a letter to them explaining the situation and questioned the legality of the XXXX collecting etc. I received nothing in return. In XX/XX/XXXX Indiana 's Attorney General XXXX XXXX found in favor for the people who were taken advantage of by both XXXX XXXX and XXXX and the companies were made to forgive all loans issued in the same period of time as mine and repay XXXX XXXX dollars to Indiana residents who were taken advantage of. In the last 10-12 weeks I have been getting phone calls from a collection company stating it is from this XXXX XXXX loan. It is called XXXX XXXX XXXX XXXX out of XXXX XXXX NY XXXX XXXX, XXXX. They are saying I owe them XXXX and some change. They said that if I did not return calls they would notify my job, my references, etc. I called them to today and spoke to an XXXX XXXX. She became somewhat apprehensive when I began questioning her about her licensing, the facts from the Indiana Attorney General 's office, The XXXX etc. she was not mean or rude but frustrated I believe. I do not know where to turn. I am wondering if it is legitimate to start with considering all of the legal woes. I am in Indiana and not sure what I should do. Can you give me any advice? 

Sincerely, XXXX XXXX XXXX XXXX
I 've never applied for a pay day loan, nor have i ever recieved one. this is being reported on my credit reports just received notice today and i want it removed.this is fraud and i should n't have to deal with this.
I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.
Inadequate response to CFPB # XXXX GC XXXX The reply to my compaint from American Express says that they are unable to locate my payments. This is inadequate. The funds were transfered from XXXX XXXX   on XX/XX/XXXX ( {$140.00} ) and XX/XX/XXXX ( {$300.00} ). XXXX XXXX verified that Amex received the funds. Just because they can not find it does not mean that they did an adequate investigation. Their response was ; Sorry, we lost your money, you loose!!

I have been an Amex customer on and off since 1973. I made 4 phone contacts on this and they say I am correct and that it will be resolved and nothing happens. No followup, nothing. Frankly these people can not be belived.They received the money. Where did it go?. Send me back my {$300.00}
Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST!
The lender began asking for payments without my knowledge, due to the fact that I changed my address. As a result, my credit score began to slowly drop lower and lower, without my knowledge, destroying my credit. I have not talked to them because I don't know how to contact them. I am willing to begin making payments but I need help resolving this error in my credit report beforehand.
The following hard inquiries were disputed because I did n't authorize them and they are non factual record : XXXX XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, conn credit corp XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX/XXXX/XXXX, and XXXX XXXX XXXX/XXXX/XXXX. Instead of removing the non authorized hard inquiries with no associate accounts. A hard inquiry of an open account XXXX was removed. It only took one day to make a decision after the dispute was filed so one can only assume there was no investigation. I did not sign for anything this is unfair practice by a credit reporting agency with no concern for the consumer.
I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX. Transunion : XXXX 2.  XXXX ( XXXX : XXXX. XXXX  : XXXX, Transunion : XXXX 3. XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX.
I purchased 3 items online at XXXX and used a combination of gift cards, my XXXX XXXX   credit card and XXXX XXXX credit card rewards certificate to pay for them. 

I returned 1 of the 3 items and XXXX XXXX has not refunded me for the purchase price. My XXXX XXXX order number XXXX. 

SKU : XXXX QTY 2 @ {$230.00} each ( Returned 1, kept 1 ) SKU : XXXX QTY 1 @ {$150.00} each ( Kept 1 ) They owe me a refund for {$230.00} for the return but have only refunded me {$130.00}. I filed a dispute with XXXX XXXX ( The XXXX  credit card bank ) and they have denied my claim. 

Now they say I still owe them {$100.00} but they owe me {$96.00}. The finance charge of {$4.00} should be refunded as well because I paid the full balance of the products that I kept. 

It has taken over a dozen phone calls to XXXX XXXX customer service and XXXX  customer service to just get the {$130.00} returned. Originally, they only returned {$50.00} to me. 

This seems like fraud to me and is a shame that this whole ordeal happened as I did not want to order 2 of them in the first place. Shortly after I ordered it online I called and tried to change the order and they said they could not and I had to send back to get a refund. This is the worst experience I have ever had with a retail store.
PayPal closed my account in XXXX 2017, but releases to release my incorporation 's funds. They are holding ~ {$220000.00} USD of mine for the past 5 months, and they are making us wait another month or so for the release of these funds. I had to get a loan to pay taxes because PayPal would n't release our funds. <P/>I 've tried contacting PayPal about it shortly after, but they said that my company is a 'money service business ' when we just sell gaming products and they say to email XXXX and they only give me automated messages when I inquire about it. Note that I 've used PayPal for a few years and processed over $ XXXX USD with them - this account closure was quite unexpected, and the 6 months funds holding is even more unreasonable. <P/>I 'm hoping this can be solved asap.
My Citi credit account was recently closed due to returned payments made within the last 6 months. 2 payments were made using the wrong checking account number. An amount to XXXX and XXXX. An payment of XXXX cleared before closer and was made over the phone use the correct account number. 
I don't feel I was treated fairly by the Citi Bank. I spoke to the department in charge of the closer as well as the Supervisor. I  was told the account can not be reactivated. I wasn't given a reason. I again was treated unfairly. The amount that remains on the account is XXXX.
Toda y,  XX/XX/2017 , I atte mpted to order Equi fax Premium 3 c redit scores offered for {$3.00} for the first 30 days, and then {$19.00} if not canceled.   I submitted my personal and debit card information and it gave me 3 times ERROR. Equifax system is designed to mislead customers and make them thinking they made an error. This is why I clicked 3 times.   Here is how Equifax  SCAMMING AN D Thief Practices work : { see copy of the most recent Equifax transaction on my bank account ) I was scammed and charged 3 times without Equifax allowing me to see my report. They never notified me that my bank account will be charged.   I called their number  XXXX  at  XXXX   XXXX . Their customer representative  XXXX  ID #  XXXX  refused to fix it, refused to stop the charges. Equifax worker,  XXXX , even BLAMED ME THAT I 've CHOSEN TO USE THEIR SERVICE AND STATED THAT I HAVE ORDERED IT BY MY OWN WILL!   I was very upset, and objected the scamming Equifax practices insisting to  XXXX  to do his job and cancel the payments/charges immediately. He REFUSED TELLING ME I SHOULD CALL MY BANK.   I said that I DO NOT TRUST EQUIFAX ANYMORE. EQUIFAX SHOULD NOT BE INVOLVED IN a THIEF PRACTICES, BUT IT IS A COMPANY that PROTECTS THE PRIVACY OF MILLIONS OF  AMERICANS.THUS  EQUIFAX IS INVOLVED IN SCAMMING PRACTICES AND FAULSE ADVERTIZEMENT in order to illegally make profit. Not only this, but Equifax worker arrogantly refused to stop the illegal charges.THIS IS VE RY SCARRY!      "   XX/XX/2017  Pe nding Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX .  Release Date    XX/XX/2017  { $3.00} "
I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.
I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.
Hello Im a XXXX XXXX  and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. XXXX CREDIT CARDS XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX   Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} Closed
TO WHOM IT MAY CONCERN : This is the 4th time that I am contacting the Consumer Finance Protection Bureau regarding my credit issues ; I am extremely grateful to the CFPB to right the wrongs committed by the crooked, militant debt collectors and the lazy, corrupt credit reporting agencies. I hope congress would increase funding for the CFPB and not reduce it as the Trump 's administration has recently done. 

This letter is in reference to a collection account placed by Portfolio Recovery Associates, of XXXX, VA, on my XXXX  credit report. On XX/XX/2018, I sent a letter, via certified mail with return receipt, to the debt collector with no response from the firm at all. The firm chose to ignore my request for specific answers regarding the derogatory account placed by them. 

In light of the above I humbly and kindly request the CFPB to order the above debt collector to eliminate the derogatory from my XXXX credit report.
I obtained my home loan through BoA ( of course they only administer it now, as it was bundled and sold to XXXX XXXX ). Over the last 3 years I have sent an additional payment to be applied against the principal of my home loan four different times, and each time the funds have been credited as future monthly payments rather than towards the paying down of the principal. Each time I must call customer service, wait on hold for 35 min. and then spend another 10 min. getting it sorted out. Each time I have been told that I have done everything correctly in the way the payment was clearly marked " Principal Only '', and that they do n't know why the " mistake '' was made in how the funds were applied. Four out of four times is not a mistake, it is a clear pattern. It appears that Bank of America wants to make it difficult for the millions of customers, whose loans they administer, to pay off their home loans early. It must not be in their financial interest to have us do so, but it is our legal right. I have already filed complaints through official BoA channels and sent letters to executives of associated departments. No improvements in 3 years. If they wanted to provide the service they claim to provide, they could easily put the right systems in place. We bailed these greedy cheating folks out in a big way, it is time they were held accountable, time for them to perform as advertised.
Again this is not a duplicate complaint as I do not recognize the hard inquire on my reports as being legitimate and therefore it is a fraudulent inquire made by Quicken loan as they continue to exploit the spirit of the Fair Credit Reporting Act ( FCRA ). My complaint is factual as I never submitted a loan application, I never showed or implied interest in any of their loan products. I have not received any documentation from Quicken Loan that supports their position or justifies their over reach into my credit report and since Quicken Loan continues to try and brush me off I'm in the process of proceeding to the next level of my commitment in seeking justice and will proceed with filing a civil lawsuit with my attorney seeking punitive damages. 

If Quicken Loan feels they have complied within the governance of the law then please provide me with the full address of Quicken loans corporate office so that my legal representation may take the next step necessary in looking to resolve this matter. 

Thank you
I've sent a certified mailing to XXXX XXXX, that was received XX/XX/, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company has not responded with any validation of debt to myself or the credit bureau. 

XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Equifax requesting that the account be deleted immediately. 

I received notification from Equifax advised that they've received my " dispute '' and opened a dispute on the account. I did not request another dispute. I sent in a deletion of account letter to Equifax. By law, XXXX is entitled to 30 days and they failed to comply. By Equifax opening another dispute, that would be a total of 60 days. This account needs deleted off of my credit repot, immediately. 

I've attached a copy of the deletion letter sent to both XXXX and Equifax along w/ the certified letters return receipt. 

I've contacted Equifax today and after being on the phone with a representative for 30min, the call was discinnected.