WillisBack/dataset-financial-user-claim huggingface dataset:
I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me.
I cosigned a car loan for my sister and due to lack of payments ; I ended up calling the finance company, which was XXXX bank to repossess the car. Couple to few months later, I received a letter from the bank stating that they sold the car and it was sold for {$4000.00}. From that point, I requested documentation that proved that the car was actually sold for what it was sold for. The car was a XXXX XXXX XXXX, limited edition. All I received from XXXX was an itemized list ; I strongly believe that the car was worth more than what the bank claimed it was sold for. 
I know a creditor may have the right to " repossess '' -- or take back your car without going to court or warning you in advance. The creditor may also be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor. I was never informed about the time and place of the auction or private sale. 
I 'm convinced that the selling price of the car was below the book value. I strongly believe that the bank failed to resell my car in a commercially reasonable manner, and I need answers. 
As of today, I owe more than {$12000.00} and it is being reported in my credit. Please help me.
An unauthorized account was opened in mine name by cash central in the original amount of XXXX on XX/XX/2017.. Did n't realize about this account till I went to try and get a new car loan in XX/XX/XXXX and it did n't go through, I have frozen my credit to the credit bureaus filed a police report and filled out an identity theft victim 's complaint and affidavit had it notarized and sent it to the company..
I have always paid my real estate taxes and mortgage insurance on my home. Ocwen once before tried to force me into a escrow account and I called and had it cancelled. They have once again did the same thing. They sent me a list of what I needed to do to cancel it. I did what they said and then they turned around and denied it and paid a back tax that they had no right paying. I handle that myself and now because of that, I once again owe them money and they are saying I can not cancel the cancel that escrow. My wife was on the phone with them for over an hour telling them, that we know all about the lawsuits against them and the sanctions that were placed on them for this very thing. She also informed them that if she did not hear back from them that a complaint was going to be issued. Every other year they are adding an insurance policy to my account when I handle my own insurance policy through XXXX XXXX. Its a battle to have that taken off my account even after my agent calls them and sends them the proof that I have insurance. Its a nightmare dealing with this company with all the sneaky things they do.
A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.
Due to financial issues, I looked into and decided to work with a debt consolidation/relief company. Before missing any payments on any of my accounts, I updated all contact information with the debt relief company 's name and phone number and closed all the accounts included in the program. All of the accounts except the ones with XXXX XXXX began working with the debt relief company. Once the collections calls started coming to me from XXXX, I would answer them and inform them that I was participating in a debt relief program and that they should contact them directly. They insisted that they wouldn't and that the calls wouldn't stop until I made a payment. There were days that I received up to 12 calls from XXXX XXXX   until I started blocking the numbers I recognized were from their office. I have a few accounts in collections with them and I began answering one out of every five calls I got to remind them of the situation and let them know that they should be contacting the debt relief company. Today I answered an unknown call on my cell phone and told the lady the same thing, that I'd entered into a debt relief program and she told me that they would keep calling me until they received a payment. She also said that my account was going to be charged off after 5 months and asked if I wanted that and told me that it would negatively impact my credit. I have all of my phone records from XXXX showing the excessive number of calls I've received. For example, on XX/XX/18 alone I received 7 calls and those were only the ones that weren't from numbers that I had already blocked.
I currently bank with wells fargo. I pay my bills through online banking bill pay. I pay my bills on time, all the time. About a year ago XXXX sent me a paper bill that was huge!! I called them and they told me that I had not paid my bills for over 3 months, they were ready to shut off my electricity. I said NO, I did pay my bills and I have proof. I faxed her the Wells Fargo online history of payments. 

The gal at XXXX looked into it and said that my payments went to some other account and that they would try to straighten it out. I thought it was a XXXX problem. Then she told me that my account numbers for paying had been changed so that my bank account and XXXX account were no longer " linked. '' I told her to change it back. She said, no, that it was Wells Fargo that changed my account numbers and they needed to change it back. I actually did n't believe her. 

So I look at my Bill Pay, I see the account numbers, and it shows the same as it has always shown. 

So I called Wells Fargo, I complain deeper and deeper into the company and finally a gal tells me that, yes, my account numbers had been changed " back of the house '' and no she did n't know why. I asked how they could change my account numbers and not tell me. And I could n't even see that they were changed. They never admitted anything but I could tell that something was wrong. This took many, many frustrating hours over about 10 days to resolve.
My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for this company
1. In XX/XX/XXXX I set up a automated monthly withdrawal of {$25.00}. In XX/XX/XXXX, I received a phone call stating that my payments were several months late. Upon calling, I was told that I or my father, a cosigner on the account had signed in online and canceled the auto-payment. Neither one of us did this. The account is my bank account and my father has no access to it. I made the payment to bring up to date and the auto-payment was then reset but not without hurting my credit.

2. In XX/XX/XXXX, Navient attempted to make a withdrawal with auto pay from account which was stopped to do insufficient funds. However, a few days later I received a phone call from my father stating that navient had withdrew {$25.00} from his account. This is absurd because the auto pay is set up in my XXXX account and navient has never had my fathers banking account information. When we called them, they stated that we had entered his account information into auto pay which is a blatant lie. We asked them to send us the IP address from the computer that was used to do so and they agreed, however we never heard back. At this point we requested for autopay to be removed. We were told it had been.

3. In XX/XX/XXXX, I had an auto pay withdrawal of XXXX from my account. When called, I was told they would refund this amount and once this was done I could call back to set up repayment plan. This was never done. I was assured again that autopay was removed.

4. In XX/XX/XXXX, another autopayment of XXXX was removed. When contacted navient I was told I authorized these payments. I was told the only was they could refund this was me to fax in to a random number with no attn. to my banking account information. I was told there was no way for them to send an IP address like I was told I would receive. I asked for a copy of the recorded phone calls for the past 6 months and also denied.

THESE PEOPLE ARE THIEFS AND LIARS!!!!

I have tried to contact an attorney suing them and will continue until I reach someone.

They originally could not help me with deferment but then gave me a plan that created a massive repayment. Crooks
In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in XX/XX/XXXX.
I was informed in XX/XX/XXXX that after working for the federal government since XX/XX/XXXXthat my loans on this sequence were not in the right loan type and my loans would have to be consolidated for them to be qualified for PSLF. This is the largest portion of my student loans. I was never told that my loans were not in the right format despite submit employment certification forms ( ECF ) to seek loan forgiveness. 

In XX/XX/XXXX I proceeded to consolidate my loans in the right format. XXXX XXXX XXXX accidentally consolidated ALL of my loans wiping out the payments I had made from XX/XX/XXXX to XX/XX/XXXX. I spend hundreds of hours on the phone with XXXX XXXX XXXX requesting that the consolidation be reversed and corrected. This caused my payments to be placed on a forbearance while XXXX XXXX XXXX sorted out their mess. I was not provided the opportunity to make any payments during this period. 

I also timely re-certified for a new reduced payment amount to be calculated for my entire student loans. This was to be applied once the loans were pulled apart and in proper format. 

After contacting XXXX after a XXXX XXXX XXXX complaint, they provided me with a print- out that simply states that the majority of my loans were on an administrative forbearance during the period of XX/XX/XXXX until XX/XX/XXXX and a reduced payment forbearance, which was not requested by me from XX/XX/XXXX to XX/XX/XXXX. I was not afforded the opportunity to keep paying my regular amounts. This applied to loan sequence 3, 4, 5, 14, 15, 16, 17. This was the period that XXXX XXXX  XXXX was rectifying their error. 

My loan sequence 18 and 19 show an ICR/IBR forbearance for XX/XX/XXXX to XX/XX/XXXX and a second General Forbearance during XX/XX/XXXX to XX/XX/XXXX, again not requested by me and for a ten-day period that makes no sense. 

XXXX XXXX XXXX by electronic correspondence dated XX/XX/XXXX, a representative of the company reached out and told me after a review it seemed that a processing error was discovered for my loans disbursed in XX/XX/XXXX meaning loan sequence 3, 4, 5 and that I would be credited an override for payments of XX/XX/XXXX and XX/XX/XXXX if I paid an amount of {$410.00} within two months. 

It makes no sense to me why these three loan sequences are being offered an override when all of my loans were handled in the same manner. The error should apply to all of my loans. 

Loan Sequence 18 : {$18000.00} Loan Sequence 19 : {$92000.00} It is unfair that 1 ) I was not informed of the " correct loan type '', 2 ) I am not credited for the months XXXX XXXX XXXX took to process my new re-payment plan 3 ) That all of my loans are not covered equally for PSLF purposes.
Dear Sir, Citizens has been creating troubles for me by not printing/mentioning complete legal name in the statements, which is violation of state and federal law. I have communicated to them multiple times and also send my identification details to citizens bank multiple times. How did citizens bank not following federal guide lines and not mentioning complete 'legal name ' and also " unnecessary spaces in the middle and last name '', which is unlawful and fraud. Is citizens bank going to be accountable and responsible at Home Land security, Immigration fraud department and USCIS if anyone submits these statements ( incomplete name and and not mentioning complete legal name ) and obtain any immigration and US government benefits. Is citizens bank going to be accountable and responsible for any kind of damages and serious consequences to me by mentioning in complete name, unnecessary spaces in the middle and last name and also not mentioned complete legal name in the account statement under account number. 
Its a serious crime as citizens bank not mentioning complete legal name ( truncated last name and unnecessary spaces in the middle and last name ). 
Could CFPB kindly direct Citizens Bank to mention/print my complete legal name along with account number in the bank statements, online account and all the bank records as per the SSN, VISA and Lawful USCIS work permit records.

Could CFPB kindly direct Citizens Bank to mention/print the right first name, middle name and last name as per my legal documents and there should not be any unnecessary spaces and truncated names, which is causing troubles and damages to me. I am also informing to USCIS and Immigration fraud department that 'please do not accept citizens statements, which have been manipulated and truncated my legal name and considerable amount of mistakes, which cause injustice, dame and fraud to me if anyone submits these online statements and misrepresents me. 
There are very strict guide lines, there should not be any mistakes and violation of federal and state law when it comes to 'complete legal name ' in the bank records and financial transactions. I am also going to file the police complaint and also copy to Michigan XXXX 's office and Federal officer. I have attached first page and highlighted the incorrect information, unnecessary spaces ( middle and last names ), truncated last name under account number. My complete legal name with first, middle and last name must be printed/mentioned in the bank records, statements and all the records of Citizens Bank. 
Could CFPB direct my complaint to federal officer and also publish the article on Citizens bank fraud, which really cause damage to account holders and Immigration/US government with unlawful statements and considerable of mistakes in the statements.
I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible people
XXXX credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
This company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.
Reference to the Wells Fargo correspondence letter, Subject : Resolution to inquires received for account number XXXX, dated XX/XX/XXXX, received in response to CFPB complaint # XXXX. 

In Wells Fargos stated commitment to making sure we have the documents we need to resolve our issue, we are requesting a correction to the Wells Fargo letter noted in the above paragraph. 

Original Wells Fargo letter stated incorrectly that the XXXX XXXX XXXX ( XXXX ), a FDIC financial institution acquired by Wells Fargo, paid off lien originated by XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, for which the Deed of Trust currently is unreleased and blocked the sale of our property causing over {$2000.00} in financial damages. 

In response to our request for additional documents that supported the Wells Fargo research showing payoff of original XXXX XXXX in the form of a Payoff Letter, HUD-1, or any other documents showing amount, account number, and date, we were assigned a new Executive Resolution Specialist XXXX XXXX XXXX. 

In working with XXXX XXXX we brought forth the issue that XXXX was not listed in the chain of title deed on record and provided faxed documents to substantiate the issue from the County Clerk Circuit Court chain of deed title history along with a Certificate of Satisfaction showing the original XXXX XXXX was paid off by XXXX XXXX XXXX in XX/XX/XXXX and consecutively then assigned to XXXX XXXX  XXXX XXXX, in XX/XX/XXXX, which was then subsequently was acquired by Wells Fargo. 

XXXX XXXX upon further research was then able to provide the XXXX XXXX XX/XX/XXXX HUD-1 Settlement Statement showing payoff of the XXXX XX/XX/XXXX dated XX/XX/XXXX, from the Wells Fargo archive records.
I request XXXX XXXX to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.
Chase discriminates applicants from XXXX. I have applied a year ago to XXXX cc and having score close to the max possible i was declined because chase felt I opened too many cc in last 2 years. I asked how many considers too many and was told it is based on each independent case. I did not open ... I replaced existing ones. My attempt to clarify or point to the fact for last 21 living in the USA I had not been late even ones did not yield any positive resolution. In early XX/XX/2018 I  referred my mother to chase freedom. She got a call from fraud dept early morning that woke her up. She is almost XXXX with barely no XXXX and XXXX XXXX. I live in XXXX XXXX and she is in XXXX XXXX so I can't help her. I don't know what the conversation was about but the fraud dept did not like her answers and did not offer her XXXX translator. She got letter in the mail to call the fraud dept. I called today as she came visiting me in XXXX XXXX. Was told mom 's application expired. I asked why she wasn't offered a XXXX translator but got lied back that she was. No she did not. I want DA follow up as I feel chase deliberately filter XXXX applicants. BTW chase we all used to have checking accounts with with the same address.
I bought a car in XX/XX/XXXX, it was financed through Carolina Finance in XXXX. In XX/XX/XXXX, we has a 2 day lapse of insurance, once I provided the insurance information to Carolina Finance, they still added insurance to my car totaling over {$2000.00}. After a debate, they reduced it down to half. That amount was paid off last year. There has been some embezzlement issues and some people were fired. I got a call last month from them stating that I was still responsible for the insurance. My car was double insured the whole year of XXXX because I had insurance and they charged me for insurance. My insurance broker Mr. XXXX XXXX @ XXXX XXXX here in XXXX NC told me that what they were doing was illegal and told me what I should do. So I am contacting you for help in this matter. I have the paperwork that they sent to me when I was finished with the payments, which tells me that I do not owe them anything. Since I told them that I had paperwork proving that they were wrong they told me last week that they were looking into the matter but have not come u with conclusion to this matter.