WillisBack/dataset-financial-user-claim huggingface dataset:
About two years ago I had filed a CFPB report due to an unauthorized Hard pulled due to the Credit department promising me that it would be a soft pull. Issue was resolved, and it was promised to be removed. Also, I had a late from XXXX XXXX that I was lead to believe would be changed. Those changes never occurred. I am a year from buying another home but I moved on. 
I noticed that on XXXX/XXXX/XXXX that I had a Hard Inquiry on my credit report. I cant believe that this is happening to me again. I called the Executive Line. The lady at first attempted to dismiss me, and wanted to transfer me to the Credit Department. I told her I will not speak with them since I have not requested credit. She looked at my file, and could not determined the reason for the Hard Inquiry. She asked that I emailed her with a copy of the Hard Inquiry on my credit report. I could have done that but had a gut feeling that she did not have a genuine interest in assisting me. Also, I was just offended that I would be stupid enough to ask for additional credit when I preparing to apply for a Mortgage. 
I have theory as to the reason for the Hard Inquiry, and just wanted to see if she could figure it out. On XXXX/XXXX/XXXX, Macys, billed me for a pair of eye glasses that me and my spouse never ordered. I had to call customer services, and shockingly was informed that my account was crossed with another account. Therefore, the cost of the pair of eyeglasses was reimbursed. The Macys rep stated that that the Items were ordered by another customer in Ohio I believe. Furthermore, I think the person who added this fraudulent charges to my account somehow did the Hard Inquiry. 
I love my Macys Card because it reminds me of when me and my Mother used to shop there. However, I cant keep having those issues. 


This is a XXXX XXXX statement : ACCOUNT ACTIVITYFilter XX/XX/XXXXAll TransactionsACCOUNT ACTIVITYDATE DESCRIPTION AMOUNTXX/XX/XXXX XXXXINTEREST CHARGE $ XXXX XXXXPAYMENT THANK YOU - $ XXXX XXXXMACYS.COM XXXX NY - XXXX XXXX XXXXMACYS.COM XXXX NY $ XXXXthis is a copy of the Hard Inquiry : MACYSAddress:XXXX XXXX XXXX OH XXXX ( XXXX ) XXXXDate of Request:XX/XX/XXXXAddress Identification Number:XXXXComments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. 

Thank you.
A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.
I am trying to dispute my checking account I had with bank of account because my checking account was stolen by my ex boyfriend. Now I can't open any accounts at no bank.
My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house
XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the  actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. 
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed  agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
XXXX XXXX please provide your title with the company XXXX.
My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.
XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.
On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXX and I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
I have been paying on time until XX/XX/XXXX. I missed XX/XX/XXXX payment due to sickness. 
I called CHASE to wave the fee this time, but they didn't listen. Next month payment increased from {$29.00} to {$85.00} that is way too much for me to pay since I lost job since XXXX. 

I called them to wave the fee and interest and lower the minimum payment to {$29.00} but they didn't listen. 

CHASE emailed me to recover program to take the class online. If I finish I will get {$60.00} credit but they didn't. Now my payment went up to {$140.00}. 

I sent a letter, they didn't write me back. When I call them same conversation over and over again. They waste my time. 

Now my balance went up from {$980.00} to {$1300.00}. 

PLEASE HELP
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX, Equifax, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.
my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
There is XXXX hard hits on my credit file that I did not authorize. I did not request the compan 's to pull my files. I disputed this with equfax they state they looked into it but that it 's public record so it remains. I contacted the companies and there response has been thay do not have any info on it but it might or might not have been done but it 's equfax that reporting it so it 's equfax I have to deal with. Equfax refuses to do anything about the matter and because it 's on my credit file it hurts my credit rating. They are playing games and Equfax can not prove that I requested credit from these company 's.
On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.
Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating.
Wells Fargo has not addressed any of my concerns. I have filed several complaints and am given the same response each time. Their newest response was a bit different this time. They had replied and attached a PDF listing a banking agreement. I sign up with XXXX XXXX and then Wells Fargo had taken over around two years of opening my account with XXXX. I had never made an agreement with Wells Fargo they had taken over the bank that I did have an agreement with. Wells Fargo 's response to me said that since the amount of time had passed that it is out of reach. That since this happened awhile back that they are not responsible for the missing funds. So with all of my complaints sent and Wells Fargo sending near the same response the same time. They are trying to avoid this ongoing issue. The first placed I had called as soon as I had noticed my balance was not correct was Wells Fargo going all the way back to 2016. I did speak to someone at Wells Fargo 's XXXX phone number and they had admitted that there was missing funds. I had called and called Wells Fargo around a dozen times and no one had offered any help. No one directed me to the correct department. No way of being able to speak to a person that specializes in missing funds. So after several months of phone calls to Wells Fargo without any help I then contacted the FDIC and had talked to a few people and filed a complaint with them also they had directed me to the CFPB. So by Wells Fargo denying any responsibility based upon the amount of time that has passed is not a valid claim by them. They in hopes would think that I would just give up and not know my rights as a consumer. This has been an ongoing issue since the year of 2016 first starting with phone calls to Wells Fargo yes I did call many times. These calls go all the way back early XXXX of 2016. Not one person was able to offer any resolution with all of my contact to Wells Fargo. All the calls and then complaint to the FDIC then to the CFPD. Wells Fargo by making the best attempt to stall and bypass the statue of limitations is not a good business practice.
OnXX/XX/XXXX, I received a phone call from an unknown number calling to collect a debt I supposedly owed Bank of America. I vaguely remember paying Bank of America off years ago for an non payment on a previous account. They told me some information they had, and it sounded legitimate. They told me I had to settle debt soon before having legal action taken against me. I agreed to make multiple payments. I made 3 payments, on XXXX, X/XX/17, and X/XX/17 and received a paid in full letter via email. The case manager gave a name and number to call, but I misplaced them. In an attempt to call them just to follow up, I looked up the creditor and called which only brought me to an automated system and directing me to voicemail each time. I looked up my bank information and tried calling the number associated with XXXX XXXX XXXX who collected from my account, the same issue. I printed my latest credit report and saw nothing about this debt I owed at all.
I wanted to stop a payment to XXXX comany listed as autopay on my Synchrony Bank credit card ( JCPenny credit card ) becuase contact number of insuance company was not working. But bank closed my card in place of stoping the payment to the insurance company.
I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX.  This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.
I was 3 months behind in my car loan, which paid XXXX dollars a month.the transporter came to the driver 's and took my car repossessed.for not paying. I only needed XXXX dollars to finish my contract and pay my car. In XX/XX/XXXX when the transporter from chase took my car the the a car was in good condition.after a few days the bank indicated to me that I would have to pay XXXX to get it back and I would not sell it.I paid Via wire in XXXX XXXX. To my surprise on XX/XX/XXXX I  pick up my car .. and they deliver it to me with the broken glass behind, the trunk that does not open and the driver window that is not opened. Which chase payment indicated to me that I had to speak to the hot line of the bank and put a complaint. So I did. And then the bank takes 3 weeks since then telling me that they are still investigating and that it will take time to resolve who is to blame and they will let me know
I am trying to pay extra on my student loan each month but the Navient website does n't allow for it. If I pay ahead it will show as no amount being owed for that month. Plus it will not allow me to split out the extra payment amounts to each loan. My goal is to accelerate the payoff on my smaller loan balance but in order to do this I have to make the payment via the website, then call Navient and ask them to manually split the payment. It seems like an inefficient process plus I feel like they are dissuading me from making extra principal reductions in my loans.