WillisBack/dataset-financial-user-claim huggingface dataset:
I was most recently a full time doctoral student at the University XXXX XXXX  at XXXX ( XXXX credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in tech so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
New company purchased my loan on XX/XX/XXXX. Contacted new company finance of America mortgages XX/XX/XXXX they informed me that my first payment is due on XX/XX/XXXX. XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX. spoke to them on XX/XX/XXXX. Was told nothing can be done not their fault they gave bad information. I 've never missed a payment before on the loan and upset because I used the money to pay other bills and will very difficult to make two payments at once
I co signed loans for my XXXX children through NJ Class. We got into billing disputes regarding unsent billing and other billing errors. We 've made monthly payment but its not what XXXX says we owe. We 're paying the loan, we just disagree on the amount. Now they are attempting garnishment.
I was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}
Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.
I have try many times to get a hold of the fraud department in this collection. I have never had a credit card with this company before. I have been a Victim of Identity Theft and I'm not getting no were with them.
I contacted  Capital One  on numerous occasions, regarding the issue of unauthorized inquiries from their company on all three of my credit reports. I faxed my first letter dated     XXXX   XXXX   XXXX       and asked them to remove the inquiries and to also forward any documents that showed I agreed to apply for their credit. I did not apply for their credit and I suspect this is a result of fraud.  <P/> They replied with a letter, dated    XXXX   XXXX   XXXX     , which did not address my issue. Instead, their letter explained the different types of inquiries on credit reports. Capital One did not investigate my issue at all.  <P/> I mailed a second letter dated   XXXX   XXXX   XXXX    . Capital One sent a letter back dated   XXXX   XXXX   XXXX    . Not only did they failed again to address my problem, but they sent an exact copy of the first letter. I highly suspect my letter was not looked over by a reputable representative.  <P/> I finally called  Capital One on    XXXX   XXXX   XXXX     and spoke with an agent. They were able to pull up an application with my information. They told me I had to call in the next day since my application was in their " archives, '' and it could take up to  24 hour s to access the info in order to remove the inquiries from my reports.  <P/> I called back   XXXX   XXXX   XXXX    . I was unable to reach anyone since their lines were busy.
I have a chase XXXX Mileage plus club card that has a hefty {$400.00} annual fee. The credit card agreement promises various benefits including purchase/return protection. I had purchased an item on XXXX and unfortunately could not return it since it was pssed 30 days and my credit card return protection allows this benefit & lt ; 90 days from purchase. I called chase to make a claim according to the promised benefit l, however after nearly 2 hours and 8 transfers I am being told by chase that I did not have this benefit. Which is clearly not the case. They still advertise this still on their website and in the credit card agreement that hey had sent. The customer service and the responses that i got from the benefits adminstrators was absolutely horrendous.
XXXX XXXX, XXXX Issue : Mother needs to be released as Co-Signer on Daughter 's Student Loan Accounts There are XXXX student loan accounts for me, where my mother is listed as a co-signer on. The agencies that serviced these accounts are Wells Fargo, XXXX XXXX XXXX, and XXXX. They have just written off my student loan accounts this year. Wells Fargo offered me a pay off my student loan since it dated back to XX/XX/XXXX. I was n't aware they reported it as a write-off on my mother 's credit reports. 

I have been struggling paying my student loan accounts and have been on my own since XX/XX/XXXX. It has n't been easy with taking advantage of the use of forbearances and in/out of jobs over the years, doubling up on my payments, but I have managed/struggled to pay them myself. My mother has always taught me to be responsible for paying my own loans/debts, how to manage my mother ( as little as it is ), as well as being mindful of my credit and the consequences. 

What I did n't know was that when my mother recently tried to apply for a Wells Fargo checking account, so that she can later purchase a home, and she was denied because of my student loan accounts, which were paid and written off. Her credit has suffered for over fifteen years now from being a co-signer, and I 'm just wondering how long a co-signer has to endure their credit being messed up because of my credit situation. She has long paid her dues and this is just pure torture from XXXX, XXXX XXXX XXXX, and Wells Fargo. My mom 's own credit is great and yet my old student loan debt has made it hard for her to acquire her own good credit history. 

This is totally unfair to my mother whose credit has suffered from my pas inability to pay my own student debts and become more financial responsible. She ca n't apply for a home loan because of this situation and it is totally unfair. Is there not a statute of limitation for co-signers? This has gone on way too long. 

I have myself through numerous disputes dating back several years, tried to get this issue resolved with the credit bureaus, who only take the word of the creditors. Wells Fargo, XXXX, and XXXX will have nothing to do with these accounts since they wrote them off, but they are more than happy to report negativity on them. 

I truly hope you can rectify this situation, not so much for myself, which I continue to struggle with debt, but thanks to my mother, will never give up on balancing life and debt, but for my mother, whose credit history has been suffering long enough for my issues. I am working hard to build my credit back up, and my mother 's has suffered and been damaged as a co-signer of my student loans. Please help by having my student loan derogatoriness/damaging information be removed from my mother 's credit report as a co-signer. 

Sincerely, XXXX XXXX XXXX
On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.
Got a requirement to recertify for my Income Driven Repayment XX/XX/2015. Payments have been lost, payment schedule has changed a half a dozen times finally being put on a repayment profile that is far from the least expensive because half of my loans do not qualify for the new repayment strategy that they charged me fees to get on because they said that the lower repayment rate would pay back the rates.
Chase, our mortgage lender, raised our mortgage payment from {$2500.00} to {$2900.00}. They claimed that we need to pay more property taxes and have an escrow cushion of {$1500.00}. 

Thus, Chase has raised our mortgage payment by about {$500.00} per month. This is too much. My wife is sick and can not pay more. I am a XXXX but don't make a lot of money. 

We believed that a mortgage payment -- a fixed mortgage -- should stay the same. We can pay our original mortgage payment of {$2500.00} without trouble. But now, someone made a mistake by not setting up the escrow accounts correctly -- and now we have to pay, literally and figuratively. 

Someone else needs to pay the difference. We did not make a mistake. And raising our mortgage by {$500.00} a month is an unfair burden on us.
Hello, This email is in reference to the fraud department at Wells Fargo Bank committing fraud. I transferred {$4700.00} in funds from my WF savings to my WF checking account online with Wells Fargo on XX/XX/2016, which made my balance a total of {$4700.00}. I received word from WF asking if I made this transfer of funds. I confirmed the transfer was legitimate and I in fact made the transfer. I then wrote a check in the amount of {$3800.00}. When the check came through my checking account I received word from Wells Fargo Fraud Dept that there was a check that came through and asked if I wrote the check. I confirmed the check was legitimate and that I had written the check. I confirmed all security information once again. Even though I cleared their suspicions, the fraud department never lifted the hold on my checking account and then charged me {$35.00} in NSF charges. I called the bank to clear up the issue and asked that they refund the {$35.00} in NSF charges and clear the check. They assured me the hold was lifted and that they would refund me the NSF charges. They suggested the person I wrote the check to put the check back through my account, so they did so. Wells Fargo Fraud department still had a hold on my account AND charged me ANOTHER {$35.00} for NSF. I was unable to obtain my funds that I very much needed at the time! I do not have a WF branch in the state that I moved to but luckily I was on vacation and happened to stop by a WF branch to withdraw the money in person that I owed to the person that I wrote the check to previously -- had n't I done that I still would not be able to access my funds. I then called the WF Fraud department back today asking them to refund the XXXX NSF charges and was informed that I was only going to be refunded {$17.00} for one of them as a " courtesy. '' They explained that when the check came through the transfer of the funds from my savings account to my checking account " had n't yet cleared '' ( BECAUSE THEY HAD THE HOLD ON MY CHECKING ACCOUNT THINKING THE TRANSFER OF FUNDS FROM SAVINGS WAS FRAUDULANT ) and that was the reason for the NSF charge. I was never told this the 2 other times I called about the NSF charges, nor when I stopped by the branch -- they always agreed the charges were in error and agreed to credit my account. When you make a funds transfer from savings to checking, there is NO WHERE on the website that states the funds will not be available for any period of time. In fact, it states they are available immediately, as reflected in the balance. Today I transferred more funds from my savings to my checking account just to see if the system would state that the funds would take time to become available and it did not. The system stated that the funds were AVAILABLE under " available balance. '' I will attach all proof. 
Thank you for any assistance that you can give me. 
XXXX
The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX
I have multiple credit cards with multiple institutions, and I 'm fairly well-versed on how they work and their terms and conditions. Presently, I 'm carrying a promotional 0 % balance on XXXX of my Chase cards, and as part of their T & C, any purchases I make on the card will accrue interest immediately with no grace period. 
I made a small purchase last Fall and immediately paid it off. Sure enough, I was charged interest, but it was a small amount and I their customer service to clarify. They agreed to refund the interest as a courtesy and instructed me to make payments on any purchases immediately to avoid future interest. 
I used this particular card again in XXXX since it 's a hotel credit card and you get extra benefits with the hotel when you use their card. My charges totaled {$30.00} which I paid back to Chase four days after the charge posted. I was charged {$0.00} in interest on that month 's statement, and then an additional {$0.00} in interest the following statement, even though I made the minimum payment AND a payment for the total of my charges ( only {$30.00} ). On my next statement, the card 's {$49.00} annual fee posted, and I was charged another {$0.00} in related interest charges from my single transaction two months prior as well as interest on the annual fee. I did n't think you could accrue interest on bank-imposed fees, but Chase apparently does. 
When I contacted Chase the first time it happened, the representative I spoke with could n't provide me an answer as to why this is their policy. Let me clarify further, it 's not that he could n't give me an answer, he had absolutely no response when I questioned Chase 's motives as to why they 're discouraging their customers from continuing to use the card in the event they carry a promotional balance. 
When I contacted Chase this time via online messaging, all I received was a regurgitation of what already happened with no actual explanation as to how the interest is charged and why it keeps growing exponentially.
I have XXXX accounts with synchrony bank. I spoke with XXXX ( Supervisor ) @ paypal because this company keep going in my bank account taking money out of my account without my permission. She told me that my bank has to refund my insufficient funds because it was not their fault that my account did not have the funds in my account. I explain to her I do n't have the money in my account and my account was overdrawn. She told me they was going to have to go in my account two more time to try to collect the money. I told her I did not have the money, she did n't care what I had to say. I had to close my bank account because they refuse to not listen to me. She made it seem like paypal has right to go into my account without my permission. Secondly, I have XXXX other accounts with synchronary bank. I had told XXXX today I 'm declaring hardship because I have XXXX credit cards and the interest and late fees I ca n't afford he refuse to help me because I ask him with they take the late fee off my Gap, Old Navy, and Banana Republic and XXXX me he was not able to help me. I been calling them for the last 4 months and they will not help me.
Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Greetings to all C.F.P. Bureau agents., XX/XX/XXXX My name is XXXX XXXX XXXX & i am XXXX from having served in the XXXX XXXX XXXX ( but my issue is Mortgagec related ). 
I was ordered to receive XXXX for the XXXX XXXX XXXX. XXXX of these were XXXX. 
I am revealing this to you because XXXX. 

So, in XX/XX/XXXX when i asked XXXX / XXXX XXXX XXXX for a REFI, they asked me for proof of income. These guys knew i was in tough shape especially from XXXX. They knew because they ( XXXX ) demanded proof of income which came in the form of my XXXX " award letter. '' For XXXX months, i politely asked them to mail me a brief synopsis of the terms i could expect to be faced with. And each month they came up with a new reason why they could NOT tell me what to expect for an interest rate, a rough guess on the total monthly payment, escrow breakdown and whether my new note was a " fixed '' or " adjustable-fixed-mortgage & gt ; '' By the way ; i had no idea what any of the preceding words meant, ie. ARM versus a Fixed Note or what attorneys meant by a Sub-Prime Note and or balloon payments. 

This all goes to the heart of my complaint. 

These XXXX financial REFI wizards were 'banking ' on the fact that i had no concept or understanding of contractual mortgage language. I doubt some of them did to except for how much their commission would be if i signed all the refi documents. 

This brings us to the 3-day Recission period guaranteed by law for every American citizen following the Closing of a mortgage contract or the refinancing of a mortgage note. 

Why? 
Because none of us can read or truly understand the implications of what we are getting ourselves into for the next XXXX years. 

Let me refresh you. I was XXXX ( XXXX ). 
And the REFI bank officers knew this because i had previously supplied them with my XXXX Award paperwork from the XXXX judge in XXXX, Florida. These documents from XXXX XXXX XXXX elaborated on how i XXXX XXXX in many everyday settings and even simple tasks such as shopping at the grocery store. 

I ca n't tell you how many times i had to leave my basketful of groceries in XXXX so i could 'escape ' from my perceived trap. XXXX. 
XXXX/ XXXX & XXXX set my closing at XXXX. It went to XXXX and yes, i had a XXXX XXXX but i had to stick it out. I was signing documents like crazy. ( XXXX forms ). 
During this marathon closing, i must have asked at least XXXX times for a copy of my new refi note. I was told, " XXXX XXXX, we have XXXX docs here and i need to get each XXXX upstairs to the notaries to be notarized. It 's XXXX. Do you want to wait until XXXX for a few copies? '' At close to XXXX Thursday, i asked if my 3-day revision period included the week-end & was told yes, of course. That should change. 
Note ; how many real estate attorney offices are open on a saturday willing to review a XXXX page thick refinancing mortgage note? 

Wait. Forgot. I was denied a copy of the refi note for my 3-day recission period. During the closing, the refi agents guaranteed me more than XXXX that my mortgage payment would remain at {$620.00}. A lie. Climbed to XXXX. Rcvd my note in XXXX mo.s
I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account
I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.