WillisBack/dataset-financial-user-claim huggingface dataset:
After 6+ years of being in good standing and consistently making payments on my student loans with HESAA ( NJClass ), I noticed a 0.75 % interest rate increase on all my loans. Upon researching the terms and conditions, this was applied because my account was in " default ''. From my records, I have only missed one payment and remitted payment within a few days. According to additional research, " defaulting '' occurs if payment has not been made in 270 days. I am appalled that I received no communication of the rate change and that one was placed on my account.
On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. 

XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. 

On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced.

I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. 

If you can not provide this simple document then you must delete this inquiry. 

Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.
Dear CFPB, The XXXX of XXXX XXXX, I have done a SEPA deposit funds of XXXX euro to XXXX to fill my account on the XXXX XXXX platform ( XXXX XXXX XXXX ). 

At the time I am writing this message ( XXXX of XXXX XXXX XXXX my XXXX account has not yet been credited with the XXXX euro I sent to them. 

I have also opened a case on XXXX support where I provided XXXX XXXX Wire traking info ) but I have got no anwser. 

I have also try to call XXXX Phone Support at +XXXX ( XXXX XXXX XXXX and not body anwser after almost hanging two hours and a half. 

Could you help me to get my money back? 

Best Regards
I filed out an application for an balance transfer through Chase Slate credit card to assist with debt with XXXX XXXX. The card came and was approved for {$1800.00}, after doing some more research and speaking with another debt assistant programs I determined the balance transfer would no longer be a fit. I called Chase Slate XX/XX/18, and they refused to cancel. Chase Slate claim the electronic transfer was in " process '' and it was no way to cancel and they blamed XXXX XXXX stating once the transfer goes through it would be XXXX XXXX responsibility to cancel. I then contacted XXXX  XXXX who of course were adamant that Chase Slate is responsibility, I called back Chase Slate with XXXX XXXX on the phone who argued against Chase Slate claims and ask to speak with an supervisor they stated all the could do is put on record I want to cancel but they could not do anything else.
Navy Federal is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called Navy Federal and confirmed that I did not have any outstanding loan balances with them.
cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap
my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies
During the process of applying for a loan modification I ask if I could make my payments and was told NO that it would mess up the underwriters figures. It took XXXX 1/2 months to receive the first denial answer ( which made me 4 months behind on my payments ). On the second application it took four months to receive a denial answer which made us 9 months behind, Nationstar Mortgage says for us to be re-instated it will take {$13000.00} which includes late monthly payments and legal fees. 
We did get a loan modification from Nationstar Mortgage XX/XX/XXXX and two months into XXXX I XXXX at work and was unable to work. This is when all this started, I sent Nationstar Mortgage letters from my Doctors stating my condition both the XXXX XXXX doctor and the XXXX Doctor stated I was unable to work. I was told by my loan specialist that the Underwriters did not even look at the letters because it did not fit into or with their guidelines. I told Nationstar Mortgage during the last modification that I had paid off both of my car loans and would be able to set it up with my bank to have an automatic withdrawal of {$750.00} or {$800.00} to be taken out for a house payment -- -but this was not good enough for Nationstars ' Underwriters '. 
I was also told that Nationstar Mortgage did their own underwriting and financing and did not receive any money from the Government in XXXX when the Federal Government bailed out a lot of banks, well I just so happen to have gotten a letter from Nationstar Mortgage in which it states and I quote '' you were evaluated for mortgage payment assistance based on the eligibility requirements of XXXX XXXX XXXX XXXX XXXX XXXX, the owner/guarantor/trustee of your mortgage loan. '' I talked to XXXX from Nationstar this afternoon and ask him ask the banking situation and he said he really did n't know anything about it, and this is a man that works in the lost prevention section. 
Also during the two times we tried to get a modification I would get e-mails saying that we needed to send in this or that document, some of which we sent in no less that four times. After sending in the documentation they requested we would get a letter stating that it would take them from15 to 30 days to add those documents to our application and that they would get back in touch with us within 30 days -- -which goes back to what I was saying about making payments. 
It ended up looking like a catch 22 situation, one of which I wish we could get out of. I just want to start making my payments again and be able to stay in my house.
Company will not contact not even frau d investigator I h ave contacted them multiple times please have them call me  XXXX  the account is mine but the whole balance is not and I have already done everything that they have asked me to do by filling out an affidavit form
I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.
Both Bank of America and XXXX as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}
On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its benefits.
remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.
After briefly speaking with   XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX     to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service,   XXXX   that my cre dit may be at  risk. I called  XXXX ,  XXXX  and   XXXX   to inform them that I had not given your agency or   XXXX   XXXX   XXXX   to use my credit without notification.     I was told by each agency to contact   XXXX   XXXX    because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask   XXXX   XXXX    to remove  the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that   XXXX   XXXX    remove the se erroneous inquiries from my  XXXX ,  XXXX  and   XXXX   credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to   XXXX   XXXX   XXXX   or   XXXX   XXXX    to share  or run my information.     I sent a certified letter to    XXXX   XXXX   after spe aking with  XXXX  who works for   XXXX   XXXX    .   XXXX  stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that   XXXX   XXXX    received m y letter. I have called  XXXX  numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me.     I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed.     Thank you in advance for your time and attention.
I have had a PayPal credit account for a number of years. I 've never had any issue with it until its recent departure from eBay. Since then, it has been impossible to maintain my account as my automatic payments from my checking account do not show up when I login to check my balance. All I can see are payments I 've made directly from PayPal. I recently changed bank accounts and made multiple attempts to change it on PayPal for a {$99.00} payment due on XXXX XXXX. Every attempt was met with a error notice. I finally contacted PayPal and waited on the phone for 25 minutes before being able to speak to someone. It was then I was told the acct was 31 days past due. At no time when I logged in before XX/XX/XXXX was there any indication the acct was past due, only a due date of XX/XX/XXXX. Payments of {$55.00} had been made every two weeks via auto payment for months. In fact, I had made a a payment from my checking of {$100.00} payment in XX/XX/XXXX and when I called PayPal in XX/XX/XXXX they had no record of it. Paypal is making maintaining accts impossible as there is no complete record of payments received and payments due.
I am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX<<
I have a Prepaid Visa Debit Card from Blackhawk Engagement Solutions, that Expired in XXXX 2016. The card still has a positive balance of {$7.00}. I contacted the merchant and they wanted to charge me $ XXXX to re-issue another card. 
The Visa Card Number is : XXXX. 
Valid thru : XX/XX/2016 CVC Code : XXXX
This is the first time I 've been late with this company World Finance in XXXX, Ga. I 've been harassed for weeks. My due date is on the XXXX of the month and I spoke to the branch manager few days after my due date and explained I was trying to come up with the money. I have switched jobs and we are trying to get on our feet. This company 's will start early in the morning and repeatedly call me from multiple numbers ever day and continue over and over again. They are also calling me from unknown numbers and when I do n't answer those they call right back from another number and continue it over and over again. I have saved under contacts at least 8 numbers they call me from. This is harassment and I want it to stop!
I tried using XXXX to send money to my account as I 've gone almost a month without a paycheck, just to avoid an overdraft. I was told on XX/XX/XXXX that PNC wo n't update XXXX XXXX with my balance info so its overdrafted and I 'm trying to get the money put in. I was told to contact you guys by XXXX XXXX.
Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first
I have been providing documents to Wells Fargo bank for the last five years trying to qualify for a loan modification and for five years Wells Fargo some reason or another keeps miss reading or mis documenting my file and every time because they miss read or misunderstand my documents they reject my loan modification request, for example the last letter of rejection that they send to me on XXXX XXXX, 2017 it was mailed to a wrong address and in that letter they gave me 36 days from the date of that letter to file an appeal for that decision while the letter was sent to a wrong address when I asked them to fax me a copy of that letter by the time I got this copy it was too late to appeal.
In that letter they mentioned the reason for the rejection 1- NPV saying my house is worth {$850000.00} where as my house is the most worth {$700000.00} 2-they mentioned my income to be {$9400.00} where my income that I provided documents to the bank is {$10000.00} per month, which it should keep my DTI at 37 %.
Every time I reapply for a modification the Wells Fargo find a way an incorrect way to reject my modification request where meanwhile my loan balance is going up and I am drowning under so much debt.
Wells Fargo has made up an attorney representation given to my real estate agent without my consent and has been refusing to speak with me due to that until recently that my real estate agent wrote to them questioning that decision and writing and asking to revoke that attorney representation and asked the bank to communicate with me. All these excuses to delay and reject my request for modification?
I would like to direct your attention to the attachment under attarney representation page 2 of 5 the reasoning for rejecting the modification request and the RMA attachment showing how much income I am claiming.
For the past year i have been writing in to Experian disputing inaccurate information on my crediting report. Accounts that are inaccurate and need to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 2 XXXX accounts, and a XXXX listing.
Madam or Sir, Equifax, XXXX, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, Equifax, XXXX and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
A rep named XXXX XXXX from National Credit Adjusters violated FDCPA subsection 806 harassment or abuse and subsection 808 unfair practices when he called my home phone, mobile phone and then my employer. I work from home and I was working, even our receptionist asked to take a message from him and he declined asking for my supervisor. Prior to him calling my job I did answer the home phone when XXXX XXXX would not tell me where he was calling from or why I asked him to then call back and leave a message. He refused to do that and proceeded to call all my other numbers. This message went to my CEO! I do n't even know whether this is a valid debt and now my CEO has been bothered by this company! 

I sought legal counsel and was told about the federal violation and so I called the company back to alert them that XXXX XXXX acted illegally on their behalf. I was transferred around and do not believe my complaint was taken seriously by them. I told them. I stated that I do not authorize them to contact my employer and any further contact is a violation of federal law ( fdcpa ). Also stated that there is no legal reason for them to use skip tracing tactics when they are aware of my true contact information. Any additional contact to any third party concerning this alleged debt is a violation of the fdcpa. I also just finished alerting the WI State Attorney General.
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to kentucky Higher Education XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
I phoned Quicken Loan Company in response to an extensive ad campaign that advertised HARP refinance, for which I know I am well-qualified. After three days, XXXX highly questionable sales people ( XXXX, XXXX, and XXXX ) not XXXX of them would talk to me about HARP refi. They tried very hard, with a ton of pressure, to sell me a program of their own with closing costs of $ XXXX. The technique is bait and switch, and I object to their failure to provide clear, factual information and their insistence on getting far too much personal information AND pulling a credit report before they would even discuss loans at all. They never did talk about HARP refi -- said the government charged them very high fees for those programs.