WillisBack/dataset-financial-user-claim huggingface dataset:
I was laid off from work inXX/XX/XXXX-XX/XX/XXXX and I reached out to XXXX XXXX XXXX for 1 time assistance. I had never had 1 late payment for 2 years and I asked if I could have help one time since I had been paying on time for 2 years +. They transferred me to their specialized payment plan team who advised me in order to 'help ' me I MUST go 30 days without payment and take a credit hit for them to allow me to pay my past due payment in 3 installments. I offered to make 1/2 a payment and a payment in a 1/2 the following month to avoid the credit hit. They declined and said 'No, you have to be late '. I feel this practice is unethical for their customers. I attempted to log in and make 1/2 a payment and the system would not allow me to. It required me to only make a double payment. I sent in a Secure Message stating I was upset with this and that they are MAKING their customer go past due and now allow them to make any sort of payment and by them requiring to go past due. I feel bullied and because of this and not allowing me to make payment it forced me to go over 30 days past due and they reported me late on my credit. I sent in a Secure Message filing a formal complaint, asked for a call ( attached ) and I left a message and never had a call back. They said they sent me a letter but I never received it. The only reason I know about their horrible practice of not allowing their customers to make even 1/2 payment, or 1 payment when 2 payments are due is because they reported me to 30 days late to the t agencies. They gave me no choice but to be late! Their system would not allow me to make payments as I could and they required me to be late to even help me even though I called them proactively to set up a payment plan to pay them!
I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.
XXXX XXXX performed a hard inquire without my permission or my knowledge. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''
I am a Protected Class Member of the XXXX XXXX XXXX XXXX XXXX. This debt is not mine ; it is a matter of Identity Theft.
I have had a XXXX XXXX with Navient for some time. Last year, I was laid off my work and called Navient for some kind of assistance. As a consumer, I was trying to get clarity on how to manage my loan the best way that will work for my situation. I was quickly advised to go on forbearance/Deferment. I was under the impression that it will only lower my payment till my employment situation is taking care of. 6 months later, I have accumulated more than {$3000.00} dollars in my account. If that was explained to me, I would have went a different direction on my decision. It seems like the loan will never go away. Interest rates are more than a mortgage loan. Please advise.
I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!
XXXX has identified fraudulent information and had me fill out charges that were not supposed to appear. I initiated a dispute with the XXXX, and the disposition was they were in fact fraudulent charges and as such they would close and remove all the charges. Experian REFUSES TO ACKNOWLEDGE THIS AND WILL NOT REMOVE THE ACCOUNTS FROM MY REPORT. UNDER THE FCRA THEY ARE MANDATED TO DO SO WITH FRAUDULENT INFORMATION!
this account has been removed from the other  XXXX  bureaus and reporting negatively please remove as it 's blocking me from receiving further credit
Spouse or co applicant : Report # XXXX XXXX XXXX, 2017 On my credit file is a XXXX who is this I 'm not married nor do I no who this is. Its just one name XXXX Just XXXX what is this or who or what Why does Experian have information like this on my credit report but no reason or who this is or why it is showing.
I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. 

Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.
I have been disputing the same collection for to years. The account in question is a collection for a checking account with what was then XXXX XXXX. The date of assignment with the collection agency was XX/XX/XXXX. This account remained open and active with XXXX XXXX until XX/XX/XXXX at which time I closed the account with a XXXX balance due to XXXX being unwilling to allow me to have a checking account unless I had overdraft protection. So I closed my account. I disputed the collection with all XXXX CRA 's and it was deleted from all but Experian. In my multiple disputes of this account I have sent Experian documentation of both deposit and withdraw activity on the account in question AFTER the date that the account was said to have been put into collection. I also sent them documentation from XXXX stating the account was closed with a XXXX balance on XX/XX/XXXX. Experian 's response was that they verified the account info with the collection agency, and the the collection will remain. I believe that Experian is violating the Fair Credit Reporting Act, and the new settlement agreement that all XXXX CRA 's entered into the the NY state Attorney General.
I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.
early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place
Blue Trust Loans has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail ( XX/XX/2018 at XXXX XXXX ) stating that her name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXXXXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
On XXXX XXXX. My credit card was charged XXXX US dollar. and when I called the bank, they says it 's the system error they will give me refund.and they did give me the XXXX us dollar refund, but on the XXXX and the XXXX us dollar charge showed on my statement again.I called the bank ask for solution, they keep saying " It 's not your problem '', and they will investigate for me. I payed for the minimum on the credit for about two month, the debt collection company keeps calling me for the money that I " owned '' .This problem is not solved until today.
This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. 

Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX  and XXXX ). 

Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. 

Sincerely, XXXX XXXX
Unauthorized inquiries and/or unknown companies : 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 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 alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing me.
After being contacted by XXXX  three times, the last being XXXX, Toyota Motor Credit Co ( Account XXXX ) refuses to remove reference to Chapter XXXX filed over seven years ago.
After losing my job around XX/XX/XXXX, I was struggling to get by. Then XXXX XXXX destroyed my house in XXXX Georgia on XX/XX/XXXX. My wife and XXXX small children spent two  months in a hotel before finding a rental. Our insurance was paying for the rental until XX/XX/XXXX. On or about XX/XX/XXXX we contacted Wells Fargo property loss department to get get two checks endorsed for the completion of our house. We explained to XXXX XXXX our situation on timing and we 're told she would get it so we could have the checks endorsed in a branch instead of mailing them in. After attempting to contact her several more times over a two week period we talke to XXXX XXXX on XX/XX/XXXX. Who told my wife and I that the people in the property loss department INTENTIONALLY LIE to the customers about issues like that. This was on a recorded line. After explaining that we were out of time due to the rental constraints we talked to XXXX XXXX on XX/XX/XXXX in the executive complaint department. Our checks were still not endorsed and the builder was going to put a lien on the house. We talked to XXXX on XX/XX/XXXX and he advised to send in the checks but at this point we were already out of time. We can not get our personal property out of storage and are being charged {$2000.00} for rent and {$1400.00} for rental furniture and housewares. Talking to XXXX on XX/XX/XXXX the checks are still not endorsed and they will not pay for the costs we accrued because of their lack of action. We are still waiting on resolution. We have XXXX children ages XXXX and XXXX. Our XXXX year old son who is XXXX in the XXXX this home is his permanent address. Wells Fargo still refuses to help in any way.
Enrolled in a XXXX XXXX school ( XXXX XXXX, XXXX, Indiana XXXX ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a XXXX XXXX ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. 

Come to find out there were XXXX loans with FIXED interest rate at 6.8 %, and there was no income requirement. 

This shows that XXXX and XXXX/Navient were in together on enrolling students that could get a creditworthy co-signer to get this Variable interest rate loan. This loan was pushed and pushed on me, and I was n't given many other options, it was then or never. XXXX has been proven to do shady business dealings, and has been fined for it. XXXX defrauded a bunch of students, and is now out of business. These XXXX conspired with each other to get the max they could out of each enrolling student, while constantly pressuring them, and lying. XXXX these companies shady practices have been exposed, so something should be done. They pushed me towards that XXXX XXXX Variable Interest rate because they new I had worthy credit and a cosigner, and income. 

They never mentioned the XXXX loan ONCE! Ask yourself why would I take out a Variabe Interest rate loan, when I could take out a fixed interest rate loan??
I had spoken to a young woman  a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.
During XXXX XXXX, I elected to use the direct deposit option to pay my student loans. On XXXX XXXX, XXXX, while checking my payment history for my student loans, I realized my loan balance increased from {$91000.00} to {$96000.00} between XXXX XXXX, XXXX and XXXX XXXX, XXXX despite making regular monthly student loan payments from XXXX XXXX to present. I was unable to find an answer as to why my loan balance increased until XXXX XXXX, XXXX because the information was not available online and my student loan provider, FedLoan, is available by phone only during the work week. While speaking to my student loan provider on XXXX XXXX, XXXX, I learned that when I signed up for direct deposit XX/XX/XXXX that I was apparently warned that direct deposit may take two months to take effect and in case of any missed payment occurring after signing up for direct deposit my loans would automatically go into forbearance and any interest accrued during that time period would be capitalized to my outstanding student loan balance. My XXXX XXXX, XXXX payment was not automatically withdrawn from my bank account even though I signed up for direct deposit the month before, but upon realizing the error on XXXX XXXX, XXXX, I paid the balance in full. I have made every payment on time since XXXX XXXX, XXXX to present. After pleading with FedLoan and attempting to explain that the result of this policy was unfair ( they received one monthly payment less than 2 weeks late and I received nearly {$4800.00} in capitalized interest 10 months after the fact ), I was told that no one at FedLoan would be able to decapitalize the interest from my student loans. I offered to pay FedLoan for the damage that I caused by making my XXXX XXXX payment 13 days late in exchange for decapitalization, but was still told no. I offered to make a payment of {$1000.00} to {$2000.00} dollars on my student loan in exchange for decapitalization, but was again told no. I have several complaints. One, FedLoan should be able to set up direct deposit in a more timely manner. Two, FedLoan did not provide adequate warnings of both the delay in setting up direct deposit or the consequences for missing payment due to the delay in setting up direct deposit. Three, the automatic forbearance leads to unjust results as I did not receive the benefit of the forbearance ( I made all payments except the XXXX XXXX payment on time ) and FedLoan was able to capitalize a substantial amount of interest on to my loan balance.
My mortgage loan has been serviced by XXXX since XX/XX/XXXX - Exhibit XXXX. Prior to that, the servicing was assigned to CitiMortgage. While the loan servicing was handled by CitiMortgage, I filed a Chapter XXXX bankruptcy - Case # XXXX. Per the bankruptcy trustee 's disclosure, all mortgage payments in arrears ( {$15000.00} XXXX were paid through the plan - Exhibit XXXX. " Notice of Final Cure Payment '' was sent to CitiMortgage XX/XX/XXXX describing the same - Exhibit XXXX. 

Per the discharge of my Chapter XXXX Bankruptcy plan, my mortgage loan was current prior to the service transfer XXXX. XXXX issued notice that the account was past due {$3200.00} as of XX/XX/XXXX - Exhibit XXXX. XXXX refused to acknowledge and investigate the claim and payment history with the bankruptcy trustee. After further investigation on the CitiMortgage payment history, I found that XXXX payments were reversed totaling {$5800.00} - Exhibit XXXX. CitiMortgage has refused to acknowledge my requests to investigate the reason for the accounting reversals - Exhibit XXXX. 

Per the FDCPA, both XXXX and CitiMortgage are required to investigate any debt dispute within a matter of 30 days. XX/XX/XXXX XXXX issued a Default Notice and threatened to foreclose - Exhibit XXXX. The notice of default " NOD '' has a payment demand listed at {$4600.00} -- which was paid via cashier 's check -- Exhibit XXXX. XXXX has been cited in the past for escrow distortion, mortgage fraud, RESPA violations and illegal foreclosure on a long list of federal lawsuits. This case obviously fits in the same group. Based on my calculations, CitiMortgage is liable for a {$5800.00} refund and XXXX is liable for {$4600.00} refund. Since XXXX parties have ignored my requests for a voluntary refund, I am seeking your assistance on this matter. You can reach me via email XXXX XXXXXXXXXXXX.
This company is repeatedly calling my sister at the phone number I provided on the previous page. I first returned the call from her number and then from my own. They were asking for personal information to verify my identity but they refused to tell me who the company was. I explained to them that my attorney advised my sister to file a police report for harassing phone calls and for me to file a complaint about them and not to give out any of my personal information, especially since they wanted my social security number. I also told them I didn't know who they were so I wasn't giving any personal information, especially since I believe these calls are related to previous calls to my place of employment and my family members where the individual was pretending to be from the county prosecutors office and said they would be sending someone out to pick me up. Not only at my place of employment but they also told my relatives that they would be showing up to look for me at their homes. I verified with the prosecutors office that this was not the case. After calling to ask they leave my sister alone and tell me who they were calling on behalf of, I was threatened with legal action against my sister and I was hung up on. They have also threatened my sister with legal action although they are the ones who are harassing her.
My wife & I signed a note with XXXX XXXX XXXX. We borrowed {$180000.00}, which was to be paid in 240 months ( 20-year loan in XX/XX/XXXX. We are current on our payments, have struggled at times, enough to get a 2nd Mortgage ( {$12000.00} ), in order to not have the home foreclosed upon.

In XX/XX/XXXX and XX/XX/XXXX, fully expecting to have a year or so left before the home was ours free and clear. Wells Fargo, the current holder of the mortgage, printed us a " statement '' of sorts, that said we still had a balance of {$120000.00}, and 13 more years to pay it over. 
Both Wells Fargo and ourselves have been doing research on this loan to see what would cause this issue. Each time they send us a BLANK Loan Modification, that would extend our loan into XX/XX/XXXX.  This " Loan Modification '' has 0 signatures from anyone a XXXX XXXX XXXX XXXX - whom Wells Fargo purchased, nor any signatures of my wife and me agreeing that we wanted to do this Loan Modification. We obtained a 2nd Mortgage for the past due balance outstanding and satisfied the foreclosure, and did not sign to extend our loan 13 more years. Today this is still their stand and final answer.
On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from XXXX XXXX XXXX. She stated she was calling on behalf of Navient and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by Navient. However, I also found out that Navient is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called XXXX back to provide this information, I was then informed they are a debt collections agency.
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.