WillisBack/dataset-financial-user-claim huggingface dataset:
The situation with student loans has been ongoing since I got out of college six months following my graduation date of XX/XX/XXXX.  I have needed to "check in" every year to update my income information and resubmit all data that was submitted the prior year.  
On XX/XX/XXXX, I called Navient to once again give them my information.  I was told this time I needed to submit bank statements as well as tax returns and pay stubs for a private loan.  Mind you these items are not needed for federal loans and I really don't think that it is any of their business what goes in and out of my bank account.  They never asked what other student loans I had and how much I was paying on those because they are only worried about their loans.  But, in turn, I submitted the documents to them and agreed to pay them XXXX a month.  I was then told that after 3 months of on-time payments the past due balance of my loan would fall to the back of my loan.  I enrolled in Autopay and my first payment came out the following month of XXXX.
Two weeks later I get a phone call stating that my documents did not meet the requirements and that they were going to withdrawal our contract. They also stated that me and/or my cosigner (which is null and void because none of my loans have a cosigner) were able to afford more than the XXXX  I had told them I would pay.  I signed a verbal contract over the phone stating that the XXXX a month would continue for 18 months than I would have to resubmit documentation.  
We are now in XXXX and I have received several hundred phone calls threatening letters etc. Stating that I need to pay the past due to balance or they will send my case to a collections lawyer in my town. They have completely destroyed my credit as they continue to report me late monthly even when I have been paying my loans since XXXX. They have continued to debit my account but have not held up their end of the contract and I did not agree to void the contract. 
I have several other loans including federal loans and it is not near this difficult to manage them.  
Upon looking at my account they have not uploaded any of the information that was sent to them in XXXX  when I have it as sent in my email.
I have recently become a victim of fraud after having lost my wallet on XX/XX/2017 due to multiple unauthorized atm withdrawals that took place on my interest checking account. I have initiated disputes for the 2 unauthorized atm withdrawals through Ally Bank which comes to a total of {$800.00}. I have also submitted a fraud affidavit through the FTC which was attached to my disputes in support of the theft. I have reported my debit cards lost and requested new replacement debit cards. I have been told the investigation will be concluded within 10 days from XX/XX/2017. The loss of my wallet also resulted in theft of my NYS learner permit and social security card which also may take time to replace.
I called capital one on XX/XX/18 at XXXX XXXX   mst to inquire about a forebearance or workout option. Due to medical issues, we have experienced a reduction in income as well as a substantial increase in medical expenses. I explained that due to the unexpected changes, I am unable to make my minimum monthly payment. I was told by the original representative that no options were available to me. I inquired why and was told that the reason was because the system said so. I escalated to a manager who identified himself as XXXX who was quick to inform me the system said he cant help us and the only thing he could do is waive a late fee. He then said in a frustrated and sarcastic tone, " I don't know '', and ended the call. He did call back at XXXX mst and say it was the system that disconnected him. I asked to be transfered to the office of the president to lodge a complaint and was told he could not transfer us or provide the number or address because they do not have an escalations or complaints department. He indicated that the only option was to provide an address to genrral corespondance. I declined. I asked for his manager and the call was then connected to XXXX, agent XXXX who said he can help by taking a survey to see if we qualify. After guiding our answers and using the info he wanted to put into the tool, he ran our info and said the system denied us and he doesnt know why. We asked for a reason or a letter explaining denial and he said they can not provide either, as its up to the system to decision and nobody knows the logic behind the decision engine. He said the only other option was to do a settlement where we come up with the entire amout in 2.5 months and they close the account. I informed him that again, as stated, I couldnt make the minimum payment and that was not a viable option. I advised I felt it was against the law to deny me without an adverse action letter and agreed but said that no letter exists, as the system makes all decisions.
i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and equifax after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are 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 XXXX.
The company is reporting my account as a bankruptcy. I have contacted them about 4 times over the past year to correct. Someone always says they will correct but it never happens.
Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.
I noticed an invalid negative entry on my credit report from XXXX XXXX ( XXXX XXXX ) for a delinquency/charge off collection for a medical bill in the amount of {$270.00} from 3 years and 3 months ago ( XXXX ). 

The original creditors name was allegedly XXXX XXXX XXXX XXXX, whom initially reported an amount of {$170.00} that I was supposed to had owed. 

I heard of, never visited this so called laboratory, never used their medical services and never even been to any laboratory or hospital by this name.

Basically, my information was fraudulently used by someone to retain medical services in my name. I am 100 % sure and confident that this medical creditor doesn't have my any copies of my actual ID, or correct signatures on any of their documents or invoices that they supposingly have in my name. 

I tried to file a dispute with XXXX XXXX for this negative and invalid entry back in XX/XX/XXXXbut I never received a follow up or noticed any action was taken.
XXXX XXXX XXXX updated my credit file in XXXX of XXXX to reflect their reporting to show the account current with them until XX/XX/XXXX and then changed it to charged off status at that date. This is multiple violations ; re-aging, false reporting, and malicious injury. 

The actual date of closing is reported correctly to XXXX on XX/XX/XXXX, not XX/XX/XXXX as reported to Experian. All of Experians phone numbers do not go to a live person and through their online system they have refused to address my concerns. Including this debt being discharged through a XXXX which pursuant to IRS bulletin XXXX should have already showed a zero balance. Based on the fictitiously reported information, and inactivity of the CRA to address or correct this for months I demand immediate removal of this account from my Experian Credit Report.
I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.
I applied for an IBR they said I would be in deferment until I got approved, I have not heard back from from my application XX/XX/XXXX they took me out of deferment and doubled my payment they sent me an email saying they wanted my income statement for the month and then said they didn't know what I wanted to do with it since I didn't send an application, I sent the application on the XXXX XXXX XXXX site with my tax return now the website is closed for maintenance. I applied for forbarence again to get relief I can't make double payments, they were not supposed to do anything with my loan until I heard back from the Fed student aid application process. Just frustrated I just wanted to lower my payments and get done I am XXXX and don't qualify for anything. Will most likely never pay this off I applied for bankruptcy and you can't include student loan
I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed about it.
Received a letter dated XX/XX/XXXX from Dynamic Recovery Solutions,XXXX XXXX XXXX XXXX , SC XXXX   who represents XXXX XXXX XXXX XXXX XXXX XXXX   regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXXXXXX XXXX XXXX - XX/XX/2017 XXXX XXXX X3 - XXXX XXXX ANDXX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.
XXXX XXXX Has Been Notified Several Times They are Attempting To Collect On A Phantom Debt. It Is An Act Of Attempted Grand Larceny To Illegally Seize Private Property And Attempt To Collect On A Debt Related To a Forged Quitclaim Deed And a Fraudulent Grant Deed That Was Used By My Ex Husband And His Current wife To Obtain The 2 loans in Question. I Submitted A Police Report Documenting The Forged Quitclaim Deed A Copy Of My CA ID identifying Who I Am And Relevant Copies Of The Quitclaim Deed And Fraudulent Grant Deed and Supporting Documents While XXXX XXXX Investigators Have Not Acknowledged Receiving This Information I Have Submitted Several Times Including By PDF Number 25 Through The CFPB System. The Debt Collection Agency On This Complaint Never Contacted Me directly To Validate The Debt Nor Did They Acknowledge That I Served Them With A Letter To A Debt Collector With Required Documentation Attached, Which They Never Responded to In Violation Of FDCPA and FTC REGULATIONS. That Was Notice For This Debt Collection Agency To Cease And Desist The Default Forclosure Action On My Home As They Have Not Validated The Debt They Are In Violation Of California Penal Code 115 PC Which States Filing A False Document Under California Penal Code 115 PC Makes It A Felony To File Any Forged Or False Document With A Public Office. I Submitted To XXXX XXXX The Identity Theft Forgery Questionnaire, They Did Not Acknowledge This Or Any other Documents I Submitted As XXXX XXXX Was Served On XX/XX/2018 Via USPS via Certified Mail And The Debt Collection Agency In This Complaint Was Also Served On XX/XX/2018 Via USPS Certified Mail with Relevant Documents. XXXX XXXX  Has Never Addressed Or Contacted The XXXX COMMERCIAL CRIMES DIVISION TO CONFIRM THEIR FINDINGS OF THEIR INVESTIGATION THAT IS PROOF THE QUITCLAIM IS A FORGERY VIA STATEMENTS RECIEVED FROM THE NOTARY WHO, S INFORMATION STAMP ETC WAS ILLEGALLY USED IN THAT TRANSACTION AND THE NOTARY SAID I NEVER APPEARED BEFORE NOR IS THEIR ANY LISTING OF THIS DOCUMENT IN HIS LINE ITEM SEARCH. I WANT A DIRECT EXPLANATION FOR THIS VIOLATION OF THE LAW AND FDCPA AND FTC REGULATIONS.
I have had been paying the mortgage on my home since XX/XX/2009. Shortly after my ex wife and I divorced, she filed Chapter XXXX bankruptcy. I kept the house and continued to make my mortgage payments. A few years later, I had to file XXXX XXXX because of some of her debt that had been sent to me. My XXXX XXXX has been XXXX for almost a year. My mortgage company refuses to report to the credit bureaus that I have been making my payments. It is affecting my credit and I can not get pre approved for a new home loan if I sell this house because of it. I have been in contact with them numerous times and they refuse to report, even though my Chapter XXXX has been XXXX. On my credit report, it even shows a balance of {$0.00}. They are now telling me that they will not report because of my ex wife filing Chapter XXXX, even though I was awarded the property in the divorce. They are telling me that I will need to refinance and it will cost me several XXXX more dollars. I do not think that this is fair because I have been making payments on my house this entire time. It is extremely frustrating when I am trying to do what is right by making my payments and I get this response from them. I would like some help or guidance on this matter.
I received a XXXX in XX/XX/2016for the account XXXX with Wells Fargo. The identifiable code listed states that collection will discontinue and the account cancelled from the creditor. I was contacted by Wells Fargo on XX/XX/XXXX and informed that they would not sell the account and would cease all collection activity. I am in the process of purchasing a home and due to the balance listed on the account it is making my process extremely difficult.
Police officer knocked on my door and served me papers from Cascade Capital LLC, XXXX. Then proceeded to tell me to hand over my wallet and that all of my money ( {$2.00} which is SSI exempt ) I did as instructed and felt so violated of my privacy. Office gave me a reciept for XXXX dollars even though I told him this money was all I had to live on and that it was exempt money. I am a widowed woman, I live alone and really felt so upset, crying and felt like my rights to privacy was taken away from me. How can a company do this it is so unethical and morally wrong to rob me of my privacy. Thank you.
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Our loan was sold. After 3 months of no communication about not receiving payment, we get a foreclosure notice on our door. We immediately call and are offered a loan modification. We did the steps, and continued making cashier check payments. After finally getting our money back we forward it on to the company. Months later we get a notice on the door, our home is going to be auctioned. We contacted them and they said, " we never agreed to a modification ''. All the while we are making payments. We go to the bank and find out they are holding our checks, and not applying them to our loan. Now we stand to lose it all, and the communication to save our home is impossible to get.
I was a victim of identity theft in XX/XX/XXXX and XX/XX/XXXX. I was working with a company through XXXX. The company was named XXXX XXXX. They had an FBI agent come to our house and pick up packages we had not ordered and take information from us. XXXX XXXX told us to pay the amount on our credit cards that we owed and not pay the fraud charges. American Express said since we paid anything that means we are responsible for everything. XXXX XXXX said they had settled everything but would not send us any paperwork. Now American Express claims I owe {$21000.00}. Most of these charges were made out of state. My wife is XXXX and I am XXXX years old. We never travel anywhere. 
I have called XXXX XXXX several times. They are no longer associated with XXXX. They claim they do not keep any records. They will not help at all. 
In XX/XX/XXXX I spoke with the fraud department of American Express several times. Although they said they were looking into it, nothing was settled. 
I need help because I do not owe this money. I thought this had been settled 2 years ago. I have filed a police report
My Equifax report dated XXXX/XXXX/2016 reflects a hard inquiry for a credit facility for which I DID NOT apply : XXXX / XXXX XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
My American Express Bluebird card account was stolen and all the money in my account was used to make purchases. I reported this to American Express, and submitted the Declaration of Fraud, and called them, and they refuse to recognize that my account was stolen..