WillisBack/dataset-financial-user-claim huggingface dataset:
In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.
On XX/XX/XXXX, I received an email from Simply Be/XXXX notifying me that PNC bank had paid them {$10.00} and the payment was processed successfully. I called XXXX bank and wrote to them online asking how a payment could be made from a closed bank account. Today is XXXX XXXX, 2016 and XXXX XXXX ( my payee ) closed her bank account on XXXX XXXX, 2016. I have no SSI check for the month of XXXX. When I called Social Security, an agent informed me that I do not have a check because PNC bank is holding my SSI check in the closed account and she did n't know what i should do about it.
I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA
I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX
My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.
I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.
I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.
I opened an account. My account was in good standing. I receive XXXX checks from my children 's father XXXX was for a fee to pay for my sons school and the other was for a child support payment. I deposited the checks. I was later notified that the account was closed. I I looked on the XXXX and it says fraud activity. My career would be affected with this being on my report also it stops me from getting myself further established. I 'm not sure why this was the course of action taken. I would like this removed because I want to establish a relationship with Bank of America.
My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!
CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.
US Bank has arbitrarily and in a apparent retaliatory manner closed by account without fault of my own or reasons. It seems highly probable that this results from me complaining terrible service provided by its branch and Branch manager. 
I would like an explanation, apology and restoration of the account ( Not because I need the bank but because of the convenience for using one of its service : XXXX XXXX ). 
I would appreciate if you could assist resolving the matter. I have contacted US Bank but I have reached an impasse where no answer or explanation is available and no resolution path is proposed. 
I am sure that you realize that a bank closing arbitrarily accounts is rather strange and exceptional. None of my other banks ( or account with other merchants ) have ever been treated this way. Considering how and when it happens it is even more suspicious that it is retaliatory despite USBank having claimed zeal at resolving the previous matter that itself was not motivated. It certainly is not a context where USBank can argue that it can chose freely who it does business with! If USBank does not appreciate that I use its service only for one of its services ( XXXX XXXX ), then it could inform me with a proposal to that effect. It has never done so. And in any case, it is a bit difficult to believe that a bank dictates what a customer should do with its services. Is this legal? Why does it matter? How does it impact in any way USBank. Again no bank have ever questions my decisions to use them to save, to pay bill to invest etc. What happens? Was this all a orchestrated effort to get rid of me as a customer? It makes no sense. 
Your assistance in solving the matter ( Ideally with account restoration ) and at least obtaining clear explanation that can be publicized and understood by all the numerous US Bank customers in the XXXX XXXX would be extremely useful! And I really think that USBank is misbehaving and that it should be exposed to the public. 
Your help is appreciated. 

The sequence of events since XXXX 2016 is in attacehd documents
Since XXXX through XXXX, there was fraud on my bank business and personal bank accounts. I had checking accounts, saving, credit cards and a couple other accounts. The fraud took thousands of dollars from my accounts. Which I reported, because I did not recognize transaction and or withdrals. I did not authorize any of the fraudulent transaction. Bank however offered to help me in the beginning but eventually decided it was me and I couldnt do anything about it. I was forced to pay off thousands of dollars.I asked to copies of statements and other forms of all my accounts, including previously closed accounts due to fraud. However, I never received anything. eventually wells fargo representatives ignored me and or claimed all of the transactions were done by me. I asked for proof but was denied. Wells Fargo claimed I was responsible for every and all transactions on all of my accounts, Including {$800.00} cash back transactions at an out of state XXXX. I argued that when you request cash back, there is never an option or possibility of more than {$200.00}. Atms only allow you to withdral about $ XXXX {$600.00} per transactions. There were also withdrals made at a branch every other day, which I never withdral cash. It was a business checking account used for my business expences ( pay bills, vendors and other business needs ... not to use as a personal account where one usually makes deposits and withdrals ). The individuals involved in the fraud had access to my accounts online. They would pay off credit cards using any and all of my other accounts and max credit card out with in a couple of days, and pay it off again.
Sent money to person by Western Union XXXX and the person money sent to did not pass it on to the person that it was suppose to go to
Some young girl said she got in a car accident and couldnt cash a check that she wrote/received so I cashed it for her. I then realized that that amount was taken out of my account a few days later
XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. XXXX XXXX mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, XXXX XXXX undated my credit report with the balance and shows XXXX as the date for the update after I made the agreed upon payment.
The Equifax data breach has many people concerned, myself included. My information was stolen without my permission. Now, future endeavors I pursue might be met with consequences due to this breach, such as the inability to obtain a loan. I have put 90-day monitoring on my credit reports, but that might not be enough if my information is already leaked.
please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you
I was potentially affected by the incident in which personal information was taken. I retrieved notice of this on XXXX XXXX, 2017.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that  I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Please resolve this issue as soon as possible, thank you. ''
In XXXX of 2015 my father, XXXX XXXX XXXX, fell ill. I went to his bank to take out some money for his medical bills, my name was also on the account, only to discover the money was gone. {$250000.00}! Spoke to a bank officer and was told they had flagged the account as possible elderly abuse. I informed the police that there had been fraud committed. They investigated and the caretaker was convicted of this crime. The bank 's fraud department said there was nothing they would do about it. My father had developed XXXX and was taken advantage of. I know the banks have insurance to cover these things. I have attached the bank statements to verify this, also the health proxy to my sister XXXX XXXX to prove he was not in his right mind, also a copy of the front page of newspaper showing what had occured. I can only hope that you can help.
I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.
I dont know exactly what date but I dont know why they are contacting me when I have my Social Security number which is an account number and they still try to collect from the Individual
Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.
I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine.
In XXXX we became unemployed. We initiated contact with Wells Fargo in XXXX of XXXX to let them know about our situation and asked for any options to prevent us from going into foreclosure. 
Wells Fargo offered us a forbearance program for both first and second XXXX XXXX mortgage loans. 
On XXXX XXXX, XXXX my payments were twenty-five dollars each for both first and second mortgages. 
I 'm contacting you because XXXX XXXX from Wells Fargo was my Point of Contact in XXXX, XXXX. This was the last point of contact I had spoken with. Since then we have had XXXX other points of contact, neither of which have responded to our phone calls, or faxes. We are hoping you can help us get answers to our questions regarding our situation. 
XXXX XXXX told me my first and second mortgages were being combined and that she was handing me off to a new point of contact as of XXXX XXXX. I was unable to reach our new point of contact on XXXX XXXX, XXXX to make my payment. Therefore, my payment was made with a call center employee. 
Another attempt, on XXXX XXXX, XXXX was made for information regarding my second mortgage. Call center employee said payments were being taken for a forbearance program that my mortgage was accepted into, but that they were not applying them due to a lack of signature. I indicated that I would look for paperwork for her to verify, and she said it did n't matter. Since then the Presidents office has contact us about getting this situation amended. To this date nothing has occurred. 
In XXXX of XXXX a modification for only the first mortgage was included and no programs were applied to our unemployment or underwater mortgage situations that would give us financial relief. We were told that there were programs available for these types of situations. However, they extended my mortgage for an additional 40 years. 
Additionally, We noticed in this XXXX XXXX letter that {$800.00} was added and we have no explanation as to where this amount is coming from. 
XXXX we have faxed over questions regarding this mortgage modification as we were instructed to do per Wells Fargo. We have included a copy of the modification agreement and forbearance paper work. 
See attached documents.
X/XX/2017 XXXX XXXX XXXX placed a credit of {$950.00} into my BBVA Compass checking account ( which I requested to be closed 3 or more times prior to this incident ) .The same day they tried to withdraw their funds back, but the bank refused because my account was in a negative state, I then accrued a credit reversal fee. I assumed XXXX received their money back. On X/XX/2017 XXXX received a refusal letter. I received an email from the HR Department at XXXX X/X/2017 stating that I had to start a repayment plan with them due to the bank refusing to give them the funds back, I became very irate at that time because I 'm a single mother of XXXX ( XXXX ) and ca n't afford the garnishment. I spoke to everyone at BBVA from customer support to the dispute specialist and authorized them to speak with XXXX XXXX ( HR Supervisor at XXXX ). I went back and forth with them and ALL of them refused to release the funds back to XXXX, it even got to the point where I used profane language and a rep laughed at me then hung up after leaving me on hold for over 5 minutes. I received an email from XXXX, stating they are still refusing to speak with her and she really needed to start the deductions from my pay check. On X/XX/17 I was terminated from my job with this situation as a key contribution to the decision they made.
THESE COMPANY ONE MAIN HAVE PULL MY REPORT THREE TIME AND I LOST 21 POINT WITH OUT MY AUTHORIZE AND DID NOT APPLY WITH THEM, you can not give some one information with out there consent or authorize that is a serious violation of privacy