WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.
I have a direct consolidation loan serviced by Navient. When I consolidated in 2013, I elected the income based repayment plan ( IBR ) and have complied with the loan terms and annual recertification requirements. When the subsidized portion of my loan became ineligible for interest subsidy after 3 years, Navient failed to notify me. I expect my student loan servicer to work with and not against me, and to keep me abreast of upcoming changes or deadlines that affect repayment. Luckily, with all of the recent scrutiny Navient has received, I logged into my account to review my loans and saw the accrued interest that I had become responsible for some months earlier. Navient 's failure to alert me to significant changes to my account speaks only to Navient 's blatant disregard for its stated purpose and usefulness as a loan servicer helping people with their financial goals. 

Magazine subscribers, for instance, are reminded months in advance that their subscription will be ending soon so that they can act accordingly ; why would n't my student loan servicer offer me the same level of courtesy and support for my larger sum financial expenditure as my magazine subscription company does for an expenditure much smaller?
The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.
My Alabama state tax lien was paid and released in XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on XXXX of my credit reports ( XXXX and TransUnion ). The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my FICO score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports! Needless to say, I paid it almost right away. 
I have worked very hard to maintain an excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that this tax lien has been " paid and released ''. How can I get XXXX and TransUnion to remove this negative item?
SPS LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on LN XXXX for homeowner XXXX XXXX.
I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.
Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe.
I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.
I got a divorce in XXXX, I was unable to afford my mortgage. I applied for a program called making homes affordable and was accepted. All documents needed where returned to Bank of America as requested multiple time before the deadline as requested. Multiple loan document packages where sent and returned as many as XXXX. I was told my ex-husband did not need to sign the documents as long as I sent a copy of the divorce and property settlement as well and the deed, all of this was sent to Bank of America, but the packages kept getting rejected because my ex-husband had not signed, so with great difficulty I got my ex-husband to sign the papers, but low and behold the documents were allowed to expire by Bank of America. I had to get him to sign the documents three more times after that. Finally XX/XX/XXXX my loan entered an normal loan status. I was notified by Bank of America that all was complete. I was also told after six months this should reflect as a normal loan status on my credit, which would have been in XX/XX/XXXX. I thought all was finally resolved. I recently tried to refinance my loan in just my name and was told that my loan is being reported as making partial payments and not in a normal loan status. I contacted Bank of America and now they are saying they need another loan packet agreement, that the loan is not in a permanent loan status.This has been going on for five years now. They have also been sending me conflicting tax statements for the last four years. This program by XXXX was meant to help people not hurt people. Please help me resolve this issue that is ruining my credit. Also there was an incentive of XXXX dollars per year for every year you make your payments on time. I have never received any incentive payment. All of this must be illegal.
On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.
They have identity on all 3 of my credit report XXXX, trans union, XXXX credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX   XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.
Yesterday I got a XXXX message from a cousin in another state, whom I, not even yearly communicate with. She writes me " Hey the police are looking for you, they keep calling you. '' I immediately thought it was a joke and responded with a laugh, telling her I think she has the wrong person. She responds saying, " No, they keep asking for ( my name ). '' A few minutes later I get a text message from my brother that shows where she XXXX messaged him stating, " Can you tell your sister the police keeps calling for her at XXXX house ''. Then I knew she was n't joking. I gave her my # and asked her to call me. She tells me that a private investigator from Texas has been calling her mom ( who I have n't spoken to in many years, lives in another state, and I would only know how to contact through my cousin - on XXXX ). She says this person has been calling a lot. Being XXXX mos pregnant, and not a criminal, I became immediately concerned -scared. She continued to tell me that this person happened to call when she was with her mom, and once her mother said my name ( married name that my aunt does n't know of ), she told her mom, that 's " -my nickname-! ". I was/AM completely embarrassed, humiliated, confused as to why someone was calling her for me, and scared of being arrested - especially with my XXXX. I remembered I got a call that same day from a Texas number. I told my cousin I would validate the number, and to give me the number she has. After getting off the phone with her I checked my voicemail. It was a person who said they were an " Investigator '', asking to speak to MY HUSBAND, and that he has a CASE FILED AGAINST HIM. Again, feeing sick to my stomach, I immediately called my husband, and then sent him a text. I eventually forwarded him the voice message I received. He later tells me it is a collector for Wells Fargo Dealer Services, and that he spoke with her last week, and made payments last week. I am highly upset that she would go through such tactics to get him to contact her. Though he is my husband, this debt has nothing to do with me, and to call ( harass ) my distant relatives - who I do not keep in contact with - stating the police is looking for me is EMBARASSING and defaming of my character! Why go through such tactics to get in touch with me??? It is not that hard to find me. No one gave her permission to call these people. I am angry! And how do I clean the situation up with them ... just tell them it was a bill collector calling for my husband? That he has been out of work for months, I am the only XXXX working, - oh, and by the way I am XXXX months XXXX! That is none of their business - and EMBARASSING.
XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   XXXX  's requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY pu blic records to the credit bureau. So this makes  2 letters back with 2 different stories about how they allegedly verified this   information of which both are inaccurate. On  XXXX   XXXX , I called the Experian credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY cre dit file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  XXXX  time. I will also be sending copies of this to the BBB and the Attorney General for review.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I  recently obtained a copy of my credit report from Equifax. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX  Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.
Equifax has reinserted a previously deleted account ( XXXX XXXX XXXX ). I 've attached the information to this complaint. According to the FCRA : Section 611 ( a ) ( 5 ) ( B ) of the FCRA clearly outlines the rules regarding the reinsertion of negative information that had been removed in response to a customer dispute. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.26 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.27
XXXX 's client XXXX XXXX is a victim of identity theft. Someone used her information to apply for an account with XXXX/PayPal without her consent. The account was established ( acct # XXXX ) and a formal dispute of this account was mailed to XXXX/PayPal XX/XX/2018, certified mail with return receipt. XXXX/PayPal received this dispute information however as of this date has failed to return a reply concerning the outcome of the investigation as outlined under the FCRA sec 605-611 which is a violation of my clients federal consumer rights.