WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to reduce monthly payments of {$310.00} with Navient, in XXXX 2017 They refused to lower the monthly cost instead they wanted me to give them more money than what was asked of me. They agreed to give me 3 months to try and get enough money to pay them what they are asking. The amount they want me to now pay monthly is {$310.00}. I tried to switch to another carrier such as XXXX, XXXX XXXX XXXX told me I could not because I do n't have any other student loans to consolidate this with. It 's a stuggle to pay this amount please help.
I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!
Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX. 

Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.
XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.
I have received dozens of phone calls from McCarthy, Burgess & Wolff claiming that I owe XXXX XXXX a balance. I have repeatedly told them that I do not owe XXXX anything. They accuse me of not returning equipment. I have repeated told them that I have no equipment and that it was all hand delivered to my XXXX Account Manager. They told me without proof, I was liable for the charges. I have, on three different phone calls, conferenced the XXXX Account Manager into our conversation. The XXXX Account Manager has told McCarthy, Burgess & Wolff, each time that I do not owe the money but that it is credit approval issue at XXXX and the problem will get resolved by them. 
McCarthy, Burgess & Wolff has begun calling my daughters cell phone informing her that I am in collections. I want the phone calls stopped or I will begin my own legal pursuit seeking damages.
This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of XXXX XXXX. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. This is ... ..wrong. Please help. Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear. 

I have already issued a complaint to the CFPB. The CFPB only forwarded my complaint to Equifax, who, in their response to my complaint, just copy/pasted their original response to my direct complaint to Equifax. 

So, the CFPB literally did nothing, and Equifax literally did nothing. How is this any form of protection for consumers when two parties, neither of whom I have a relationship, can make changes to my credit report and CHOOSE to not fix inaccuracies without my input whatsoever. This is why Republicans should never be allowed to govern.
My complaint is with American Education Services ( AES ) who maintains the original private student loans taken out XX/XX/XXXX through XXXX XXXX XXXX XXXX. 
My son attended XXXX which was part of XXXX XXXX at the time and is now part of XXXX XXXX. I co-signed for the " Private Student Loans '' so he could attend this school. 
I requested additional information from AES with regard to a XX/XX/XXXX CFPB newsletter about Relief for Students of XXXX. Specifically what steps need to be taken and if there are forms to fill out for student loan relief. 
The CFPB newsletter states the loan servicer will notify us " if '' we benefit from this agreement. I had not been contacted directly by my loan servicer American Education Services ( AES ) in the ( 7 ) months this agreement was published. 
I decided to contact them myself on XX/XX/XXXX & XX/XX/XXXX to request information about this settlement. They directed me to contact the US Dept. of Education - Waste, Fraud and Abuse by phone. The phone number mail box if full and messages can not be left and you can only call on certain days. This particular phone number was associated with federal student loans not private. They also directed me to the studentaid.ed.gov website and stated there " should be '' forms available to fill out and submit. The forms appear to also be directed toward " federal student loans '' not private. I called AES again speaking to another representative who stated they needed some type of a form from CFPB authorizing student loan relief. 
I feel my son and I are eligible for this student loan relief based on the lack of job opportunities in his field of study the XXXX representative stated were in high demand and with excellent pay so affording the student loan repayment should not be a problem. Job placement from XXXX consisted of a limited list of " potential '' employers some of which when contacted were not hiring at all. Another employer my son contacted stated that they did not have good luck with XXXX students. My son is still not working in his field of study 10 years later. These types of recruitment tactics used by XXXX are fraudulent in my opinion making our student loans eligible for student loan relief. 
American Education Services appears to be unaware of what information is needed to resolve this issue or is unwilling to help. 
Can you please clarify what it is I should be doing to apply for this student loan relief and direct me to the correct forms to use if any? Is CFPB able to contact American Education Services and provide them the information they need to start this process?
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 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 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 father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Bank of America. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Bank of America on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter.
On XX/XX/XXXX, I initiated a wire transfer from my Coinbase account to my bank account in the amount of {$17000.00}. I had successfully completed similar Coinbase wire transfers between these exact accounts previously. Coinbase removed the funds from my Coinbase account and provided the following message : " On XX/XX/XXXX at XXXX PST, you initiated a withdrawal of {$17000.00} ( + {$25.00} banking fee ) from your USD Wallet. 

{$17000.00} will arrive in your bank account by XX/XX/XXXX. 

Withdrawal reference : XXXX '' It is XX/XX/XXXX and the funds have not arrived in my bank account. I contacted Coinbase support several times via email, and have not received a response. 

It seems likely that Coinbase has stolen my funds.
I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score.
On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?
After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.
I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.
XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
I 've called & tried to request an invoice and XXXX XXXX ( XXXX XXXX XXXX ) refuses to send me a statement of proof of why I owe & what it is for. They said they ca n't because it has been to long then they need to REMOVED my credit report. This is from 2011 when I lived in XXXX. I do n't remember owing anything when I moved back to XXXX. I 've disputed this & it is closed & open ( collections ) now on my credit
Here 's a new XXXX : American Express refuses to talk to their customers on the telephone if the customer legally records the call. But of course they record all calls. This would make a good press release and should be made illegal.
I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.
We deposited XXXX to our bank of America account on XX/XX/2018 and never spent that much money had over XXXX in our account. It is now saying we are over drawn how can that be when we only spent XXXX what happened to the rest of the money. Very unhappy as even the withdrawals do not add up to the money we had in the bank where did the rest of the money go?
I have this payment on automatic pay. I never miss a payment. The bank generally changes my mortgage payment due to shortages or overages on the impound account. This is okay. However I never get their notices. They increased my payment XXXX dollars and because that overage was not paid they charged me a XXXX dollar late fee even though I made the XXXX dollar payment on time. There should be a law that banks can not charge more on a late fee than what is owed.
XX/XX/XXXX : Veterans Affairs accidentally dropped me from their system and I didn't get paid. I am XXXX XXXX XXXX Veteran and Unemployable. I notified Roundpoint Mortgage Servicing about what happened. 
XX/XX/XXXX : Working with OK XXXX XXXX 's office to resolve my VA XXXX pay issue ; Roundpoint " started Loss Mitigation '', at least that was what they told me. 
XX/XX/XXXX : I started receiving my pay and made 2 months payments, which one was rejected and the other was sent back to my account. 
XX/XX/XXXX : I paid another payment, and then received XXXX payment back into my account. I called and found out that they " could not accept payments because they filed for foreclosure XX/XX/XXXX ''. I asked how and why considering I was suppose to be in Loss Mitigation and I had now made 3 payments. She said all she can say is that they filed for Foreclosure on XX/XX/XXXX. I emailed documents that same day for Loss Mitigation, AGAIN. 
XX/XX/XXXX : Called to check on the Loss Mitigation and then was informed they could not open anything and a letter had been sitting in their system for nearly 3 weeks to notify me of documents they need, but I had already sent. The next day I sent all documents AGAIN, this time Certified Mail to have proof they received them. 
XX/XX/XXXX : I AGAING had to Certify Mail documents to Roundpoint. 
XX/XX/XXXX ( Sunday ) : I was served with a Summons for Foreclosure. 
In Summary : I have been prevented from making payments to force me into default, denied Loss Mitigation, destroyed my credit, and expected to pay THOUSANDS in penalties, interests, and legally fees, which NONE of them would have occurred if they would have done their job in the first place. 
Roundpoint is in multiple class actions for allegedly putting force placed insurance on escrow accounts and using that money with one of their service writing companies as their " personal funds ''. All of this among many breaches of contract and other suits. I am currently waiting on a return call from a lawyer to handle this situation. If there are any questions, please don't hesitate to call or email me. I have documents, scanned copies, copies of Certified Mail Receipts, names of people Ive talked to at Roundpoints " Loss Mitigation Team '' which have absolutely no idea what their job is. I can not submit documents over a certain amount, I will have to mail copies to whomever requests them. 
Thank you for any and all help.
I pay my mortgage in 2 payments every month. The payments are made by the XXXX of the month for the next month 's payment. For example, on XX/XX/XXXX I paid {$950.00} and XX/XX/XXXX I paid {$800.00} for a mortgage of {$1000.00}. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on XX/XX/XXXX I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?