WillisBack/dataset-financial-user-claim huggingface dataset:
I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!
I have been making over payments every month and my over payments are constantly being applied incorrectly and against my direct request when I spoke to the financial representative. With every over payment, my auto pay is reallocated in order to maximize interest payments across all of my loans and my over payment is repeatedly miscalculated in the company 's favor. This is the 3rd time that I have asked that my over payments are not counted towards future auto payments and should stand on their own. 

Finally, last month I made an over payment and realized when the money did not go out of my account that the payment never took place, even though I received a confirmation number for the payment. The company did not revise my loans to reflect their mistake and I lost all of those days in-between securing a 2nd payment. 

This is gone on far too long and somebody needs to address these concerns.
On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.
I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.
Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX  has removed 22 accounts, but Experian states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX  are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.
To Whom It May Concern : PROBLEM : XXXX XXXX HAS REFUSED TO ANSWER MY EMAILS WITH CLEAR ANSWERS AS TO WHY THEY DO NOT LOWER MY INTEREST RATES WHICH ARE AT HISTORIC LOW LEVELS. EVERYONE CAN REFINANCE HOMES, AUTOS, ETC. BUT I CAN NOT REFINANCE MY STUDENT LOANS! 
I am XXXX years old, married and with a child on the way. We are tirelessly saving to buy a home in XXXX, but we 've been crippled by over {$120000.00} of student loans when I obtained a XXXX degree from XXXX in XXXX. 

It 's been six years since I XXXX in XX/XX/2009 and I 've paid over {$90000.00} in interest alone and the principal is lowering at a snail 's pace. We have not been able to take even a small vacation since we married XXXX years ago and there 's no light at the end of the tunnel to live a normal, quality life. It 's strained our marriage early on and we 're so nervous about having children. 

We need help please. Real help. I did n't know what I was doing at the time and my parents were first generation folks who could n't guide me at the time. Help us somehow. Please do n't pass us along to some ( XXXX ) number. What program is there to help me? I will do whatever it takes to climb out of this. 

Sincerely, XXXX XXXX.
I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file
Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. 
I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. 
After having a dispute with a fraud investigator my account was immediately restricted. 
Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. 
XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. 
PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. 
Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. 
I go to anywhere on this planet and enter any country with the information I have willingly provided. 
Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.
Parent plus private loan for XXXX my XXXX year XXXX of college at XXXX, my parents helped pay the interest down every month until I graduated, I then got a letter about XXXX months after I graduated with a late payemnt ... have been paying XXXX aka XXXX XXXX aka XXXX 12 and 11.75 interest rates on this loan.. over XXXX has been paid back on this XXXX dollar loan and I still owe XXXX ... my next highest interest rate is 5 % I believe for other companies.. it 's forcing my to live in my parents basement and I 'm an investment advisor with a series XXXX, XXXX, XXXX and life accident and health insurance license. It 's cases like this that kill credit scores, slacken the housing market and depress the middle class. I 've written to navient XXXX times and an uninformed individual picks up the phone who never helps. Navient/XXXX//XXXX XXXX most likely got that XXXX they loaned me for XXXX for 0 % because of the federal Reserva q/e and I 'm fed up with how they 're taking advantage of the American dream, my parents did n't get to go to college so it was always drilled into my head that it 's anot opportunity I have to take advantage of. College ceos who raise out of state tuition and in state tuition no this all to we 'll and it wrong. When it comes to profit margins college education, especially state universities, should n't operate on the same principles that for profit corporations do. 

My name is XXXX XXXX and I believe in the words I just wrote and I think many other people do to. I 'm far from a XXXX and I 'm pro capitalism but for a while one would say " there 's something going on here and you do n't know what it is, do you XXXX XXXX '' ... well I think more than I have figured it out and it 's time to correct the next bubble before it bursts. 

( The {$15000.00} is a real figure, not my total loan just XXXX and I know others have it worse but I 'm sick of my own country taking advantage of age old ideology of college and federal policy loop holes )
I opened an IRA XXXX Traditional ) in XXXX at The XXXX XXXX XXXX XXXX, MA XXXX XXXX Br-anch. In XXXX I added to it. I thenmoved in XXXX XXXX and forgot about this accnt. 
Now in XXXX my Father finds an old statementof the money and interest that I had in this acct. 
XXXX trust no longer exists. It became XXXX Bank and then Citizens Bank. Thecurrent bank has no record of my original acct. 
I do not remember every receiving notice of anaccount from XXXX savings bank. 
In XXXX when I moved to XXXX I have since moved8 times and my name has changed. How do I goabout finding this IRA? Thank you for your help.
On multiple occasions I have contacted Experian in regards to their reporting of XXXX XXXX XXXX ; a collection agency reporting a medical debt from a state that is not my own. 

I reached out to the collection agency and they sent me documents that not only provided a signature that was not my own, but had documents that would clearly be a violation of HIPAA. This debt belongs to XXXX XXXX XXXX. XXXX has not contacted me about this debt. 

I spoke with an Experian representative on XX/XX/XXXX. On XX/XX/XXXX I received an alert on my Experian account. XXXX XXXX XXXX came back verified. This was absolutely impossible. 

Experian is the only credit bureau I have had an issue with. This fraudulent collection account is only on this report and it is the only collection account I have on all 3 of my credit reports.

If Experian actually verified that this account was mine they would know that XXXX is 1 ) not legally allowed to collect in the state of Illinois 2 ) attached documents that have a signature that is not mine 3 ) the originating debtor is showing an address in Georgia.
Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX
I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably.
Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC, XXXX Credit Bureau, and XXXX  Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC, XXXX Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
I have been using my Wells Fargo credit card to pay my email service provider monthly {$5.00} charge throught automatic bill pay enrollment through this company, XXXX for the past 5-10 years. Last month I was contacted by XXXX that Wells Fargo company had sent them a letter of payment denial ( $ XXXX   monthly fee ) and has charged their credit account {$45.00} fee for fraud. I called Wells Fargo costumer service and discussed with them I have never requested them about fradulant charges by that company. They told me they want their money for investigating that charge. I contacted their executive office asking them to reimburse me for the {$45.00} they had charged XXXX. I just git a letter of denial stating " We are committed to protecting the security of our costumer 's accounts and periodically need to take certain actions to detect and prevent fraud. '' In other words, I, the card holder am stuck with the {$45.00} penalty fee they charged my email service provider, wrongfully penslized by Wells Fargo credit card company. Just think for a moment, if such unethical ways of creating source of reveniew implemented by Wells Fargo, go without legal bindings by this company how many more costumers are going to be subject to their predatory actions.
I have two old collection accounts with portfolio recovery Associates both of them are showing up as OPEN on my XXXX report but both accounts are paid in Full and should be closed. last report was pulled XX/XX/XXXX have disputed it on XX/XX/XXXX they came back as valid Both accounts are listing Portfolio Recovery Associates as a Factoring company they are not. 

One of the Accounts was settled but the remaining balance of XXXX shows up on my credit report and it should show XXXX balance and closed status. 

I keep getting diffent answers everytime i call They refuse to connect me to a supervisor just diffrent agents that tell me something diffrent everytime. 

I have emailed excutive staff they will not respond.
In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.
I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income  Based Repayment program back in     XX/XX/XXXX . I c alled  Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for >  5years  which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the  IBR  will be $  XXXX  monthly until reevaluation time in a year, i n  XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on   XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising   XXXX   and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in   XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in   XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since   XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into  the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do.