WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted my documents for renewal of my XXXX plan on XX/XX/2016 and again on XX/XX/XXXX. This one I sent directly to an agent who had sent me an email ; ( I was later told by the Dept. of Education Ombudsman 's office that she is an advocate -her name was XXXX XXXX XXXX ) My documents were ignored and no attempt was made to inform me as to whether the documentation I submitted was correct or not. Sometime during the second week of XX/XX/XXXX, I contacted Navient 's Customer Advocate 's office and an agent claimed to not be able to find the documents which I submitted using the provided email address. I also told her the name of the person to whom I submitted the documentation ; still claimed not to be able to find my documents. She advised me to upload the documents directly to my account ; which I did. I still had no response. I contacted the useless and powerless Ombudsman 's office and was told to contact the advocate 's office again. I used the number they provided, which I had used to contact Navient 's advocate department before and when I reached the intake person I was told that I had not reached the advocate 's office ; she claimed not to know whether there was an advocate 's office and then told me she would have to transfer me to an " Account Specialist, '' which I was n't going to tolerate so I hung up, called the Ombudsman again and confirmed the number for Navient 's advocate department. Now, using the same number again, I called and reached the same person. I told her I had spoken to the Ombudsman and I knew that I was talking to someone in the Advocate 's office after she again attempted to deny that is the department I had reached. After telling her this, she changed her story and then said that she routes calls to the " appropriate '' department depending upon the type of account. ( We have a private loan with them that we can afford to pay and this is part of their tactic to harass us ). This time I got an advocate ; he stated that I had to submit additional documents, which I did while I had him on the phone. He said they required the frequency of payment for the income information I submitted for my husband ; I told him what it was and submitted an additional pay stub. I requested his directly line, which I later called to ask how to submit additional income information from a Section XXXX rental ; he never returned my call. I also requested a forbearance but he did not take care of that despite telling me he would. 
Navient, has placed negative information my credit, which I also informed the advocate of and he said he would take care of that, due to their errors in not acknowledging these documents or the forbearance request ; they placed late payment information my credit. 
To this day, XX/XX/XXXX, one month after submitted the documents, nothing has been done to put this IBR through. I had XXXX back in XX/XX/2016 so the income level would probably have brought us down to a {$0.00} payment which they do n't want.
Per XXXX Submitted to the CFPB on XX/XX/XXXX. American Express did not not update me in the 60 days, by XX/XX/XXXX, in which they stated they would do in their first response. 

In Summary of the complaint : In the Month of XX/XX/XXXX I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. 
The cause is that in XX/XX/XXXX I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX  which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. I have called American Express several times to explain the situation and they only seem to send me my complete XXXX statements. Unfortunately, they will not look at the XXXX file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the XXXX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express XXXX file. I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.
I tried to make a {$15.00} purchase and a {$30.00} purchase from XXXX XXXX on Sunday XXXX XXXX. While I thought I was using my regular PayPal account linked to my bank account for the purchases, I was led through XXXX simple questions that looked like verification questions ( birthday and XXXX digits of social security number ) and presto, I received a loan without even knowing it!!! I am in the process of buying a home and had a near XXXX credit rating. I never wanted a loan for XXXX dollars of purchases, especially when I am in the process of applying for a home mortgage ( which takes weeks, not XXXX entries to verify identity ). My lender notified me on XXXX, XXXX XXXX that I had applied for a loan XXXX.i had never heard of the company and neither had he. After doing Internet research, I learned that PayPal did a hard credit check without me even realizing that it had happened. I called PayPalCredit and they gave me the classic excuses for why they ca n't do anything to help me. I immediately transferred {$45.00} from my regular PayPal account to pay off the balance of the PayPal Credit loan I never intended to have. I then closed the PayPal credit account. I then asked about the interest rate and learned that the rate was 19+ %. This is obviously a bait and switch that PayPal is using to trick people into paying 19 % interest in balances for purchases without even being aware that it happened. I need help removing this entry from my credit report because this deceptive company refused to help me after speaking with XXXX different people at the company in profressive levels of management.
I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.
Bank of America started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, BOA used to charge monthly maintenance fee of {$14.00}, if " monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie BOA started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged.
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXXXXXXXXXX XX/XX/2016 To : CFPB and California DBO re Carrington foreclosure on APN # XXXX / loan # XXXX Dear CFPB and California DBO, I have sent this exact same information to Carrington. 
Carrington Financial Services is sending Notice of Trustee 's Sale and Notice of Sale Summary of Key Information that states the above documents " has been sent to XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, as joint tenants, in relation to XXXX XXXX XXXX, XXXX, Ca XXXX '' The notice of sale has never been sent to XXXX XXXX as he no longer is on the deed and he no longer lives in the area. 
The XXXX problems with the Notice of Sale are listed below in bold type. 
Carrington has not responded to this missive which was emailed to them via a HUD counselor on -XXXX XXXX XXXX does not live at the above address -XXXX XXXX is no longer a joint tenant -XXXX XXXX and XXXX XXXX XXXX are not husband and wife. 
-Carrington can not state that XXXX XXXX XXXX has received the above information as he does not receive mail at either XXXX , Ca XXXX nor does he receive mail at XXXX XXXX XXXX, XXXX , Ca. 
Thank you for your attention to this matter. 
XXXX XXXX Cc : XXXX XXXX XXXX, HUD housing counselor
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
I have had a fraudulent charge on my account, that the credit card company is refusing to remove from my account.
The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
This is not my debt. Creditor continues to attempt to collect on this account that is not a verified account
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as The XXXX Apartment Homes on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXthrough XX/XX/XXXX In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in
the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
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Please I need it removed immediately.
Thanks
I HAVE A LINE OF CREDIT THAT I GOT XX/XX/XXXX TO FIX MY HOUSE - THE LINE OF CREDIT WAS THRU ONE BANK AND SUBSEQUENTLY SOLD TO ANOTHER BANK. 

NATION STAR HAS SCAMMED ME AND TOOK MONEY FROM ME. 

NATION STAR IS REFUSING TO GIVE ME THE COPIES OF THE CHECKS THAT SHOW WHAT I TOOK OUT AGAINST THE LINE OF CREDIT. 
THE ORIGINAL LINE WAS FOR $ XXXX I ONLY USED {$30000.00} TO FIX MY FOUNDATION - WHEN MY HUSBAND DIED ( XX/XX/XXXX ) THE BALANCE WAS ONLY {$27000.00} + INTEREST. THE PAYMENT INCREASED DRASTICALLY I NOTICED THAT THE BILL WAS DOUBLED. I ASKED MY DAUGHTER TO HELP ME GET THE INFORMATION THE BANK IS REFUSING TO SHOW ME MY CHECKS TO PROVE THAT I TOOK AND USED THE WHOLE {$60000.00}. 
I THINK SOMEONE IN THE BANK TOOK MY MONEY AND IS MAKING ME PAY ALL OF THE MONEY BACK -THAT IS WHY THEY DONT WANT TO SHOW ME.
I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/XXXX. I contacted Experian via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Experian is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled.
I receive a letter from a debt collector and I told them it was the incorrect person. The person that owe and myself do n't have the same ssn in which they confirm. After saying they were going to address the issue I aske for something I writing which they claimed they ca n't produce. A month have passed and I received another letter about the debt
Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.
Well for starters its not a credit card but it is a debit card. Now that that 's out of the way ; I was gone out of state for 2 months to attend basic military training ( XXXX XXXX XXXX XXXX XXXX 2016 to be exact ). There was a withdrawal from my account of {$900.00} on XXXX XXXX 2016 in XXXX, NC. Once I found out I immediately informed my bank about the situation. They put the temporary credit back on there and began the case. Since I was in basic I had no way to communicate with them again until I returned home. On XXXX XXXX 2016 I received a letter stating they denied my claim. They deducted the {$900.00} out of my account this morning and now I 'm in the negatives. I see why they do n't believe me but I do have proof of me being in the other state and not in the state where the money was taken out from. Honestly I feel like the company is horrible for letting something let this happen in the beginning. I have no clue to how they got the money without a problem.
ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS
I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American
Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.
They 've called me XXXX times in 14 days ... and its still XXXX. So, I 'm sure I 'll get a XXXX more today.
have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.
on XX/XX/XXXX I was sent XXXX from my brother, through Paypal. 
Paypal withheld the money for 5 days then I received an email from Paypal stating that the money was ready to be to be claimed. I then logged on to my account and when I attempted to to transfer the money I received a message stating that my transaction couldn't be completed at this time come back later. I kept trying and then called paypal to find out what was happening, I was then locked out of my account and had to wait on hold for over an hour, each time being transferred to another department, never receiving an answer that explained why there was an extra hold on my funds. Banks don't place holds on money as long as paypal has. Finally I was told that there was a internal computer security problem that would be delaying the availability of my funds indefinitely. Paypal 's internal computer security problems shouldn't affect the funds that belong to me Failed to honor funding times, Neglected to post payments when website fails, Mishandled customer disputes about payments. Paypal has a history of poor and deceptive business practices, and even after class action lawsuits have caused punitive damages, they continue these same practices. After I threatened to file a report they changed the error message on the transfer