WillisBack/dataset-financial-user-claim huggingface dataset:
Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.
In XX/XX/2018 I had a medical procedure done at XXXX XXXX Hospital. The original bill of the hospital was {$20000.00}, the plan paid {$9300.00} and I had to pay {$3900.00}. Funny, the bill was itemized and I was charged for services I did not receive, they said they were available to me? One of the services was Physician {$15000.00}. My plan paid {$7300.00} and I paid {$3100.00}. A month later I received another invoice for the same procedure from the physician Dr. XXXX XXXX from XXXX XXXX XXXX in XXXX, SC in the amount of {$1100.00}, plan paid {$68.00} and they said I owed {$29.00}. I contacted the office and explain this was a double bill for the same procedure. The bill was turned over to Receivable Management Corporation on XXXX XXXX XXXX, SC. They used the strong armed tactic threatening my credit even after I explained this is a double bill. Then Receivable Management Corporation put this {$29.00} against my credit report. With the XXXX Credit I filled a dispute because this is a double bill for the same procedure. All they did was verify that the dispute was in my name, not whether it was a valid dispute. Everyone is saying the physician can charge you whatever they want to and the insurance does not question, they just pay. The final part to this story is Dr. XXXX XXXX tried to XXXX me. Because of his incompetence I had to be hospitalized for 4 days in XXXX with XXXX XXXX XXXX because he refused to treat me correctly for my symptoms.
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX   XXXX  XXXX  -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX

-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX  ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX
On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.
**I have attached this complaint in .pdf format that is easier to read. ** Below is my account history since XX/XX/XXXX ( my account had a {$0.00} balance at that time ) : {$25.00} Pmt due XX/XX/XXXX Paid {$25.00} XX/XX/XXXX {$25.00} Pmt due XX/XX/XXXX Paid {$20.00} 03/30/18 Paid {$20.00} XX/XX/XXXX Charged {$25.00} late fee even though more than the minimum payment was made ( total {$40.00} ) {$27.00} Pmt due XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Charged {$27.00} late fee even though more than the minimum payment was made ( total {$40.00} ) I called and spoke to XXXX, Account Manager, and she agreed to remove the late fee of {$27.00}, but refused to remove the prior late fee of {$25.00}. She explained that because I made my payment prior to the billing cycle the payments were not getting applied to the next payment. I have paid more than the minimum payment each month and should NOT be charged late fees. Please remove the {$25.00} fee charged on XX/XX/XXXX. 

I have a promotional balance that I am making payments on every two weeks to ensure that it is paid off by the end of the promotional period. XXXX XXXX XXXX XXXX is charging me late fees unfairly and I want this corrected.
I originally spoke to a rep in  XXXX  about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on  XXXX   XXXX  amd realizing by the end of  XXXX  that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There  are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on  XXXX   XXXX . I called in on  XXXX   XXXX  to check the status and spoke with a nice gentleman by the name of  XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.
Citizen 's Bank Mortgage ( XXXX ) XXXX incessantly calls my phone numbers starting on the XXXX of every month if the mortgage has n't been paid by that time. Today, XX/XX/XXXX, I spoke with a representative in the morning because I called in to ask why my mortgage payment went up ; I had to ask numerous times to be transferred to someone who could explain the increase before actually being connected with that department because the representative was incessantly trying to pin me down to a date when I would make my payment. When I told him I needed to check my checking account before providing a payment date, he angrily responded, " Well, sir, the phone calls are going to continue then! '' Sure enough, by the end of today, I have by now received a minimum total of 6 phone calls between my cell and home phone from XXXX ( and possibly more ). The messages they leave are 1.25 minutes long and do n't include any talking voices, just dead air space, until the last 15 seconds. When I called later in the evening to inquire about the harassment, another representative was equally as rude as the representative I was forced to speak with earlier in the morning. She was talking over me when I was trying to speak several times, was argumentative, and explained that they could call " 4 times for each phone number '' that they had on file for me. In the end, she hung up on me. It is clear to any reasonable person, based on the conversations today and based on the number of calls I typically receive each day whenever I 'm late on my mortgage, that the phone calls are designed to harass. Clearly, the purpose of the frequent calls is above and beyond pure communication with the customer ( me ) ; they are designed to be harassing and annoying. For this, Citizen 's Bank needs to get an earful from the authorities, and they need to apologize to me. I would also like for them to modify this abusive practice.
Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a thirty day late on my account in  XXXX  of  2016. I was not supposed to be reported for this late, according to a manager i spoke  with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling to me.
XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere
I have opened numerous complaints with Wells Fargo for the following : - The did not post a payment in a timely manner - Their IVR system indicates that you can pay off a balance over the phone but you can not - The IVR system leads one to believe that you can make several payments in the same day using e IVR but you can not. 
- I called in and asked for an local office and I was given a fax number - Called back and received a number to a Wells Fargo office where I was grilled by the male as to whether I had and account or not when I simple asked if there was physical office in XXXX Ohio - I filed a complaint and hey said they would be in touch via phone but they did not they sent a letter that I was PIF then another letter saying I was still owing money - I called to address my original complaint and asked to have a copy of what was submitted and I was advised that I had to get a court order for the complaint that I submitted! I was denied a copy of the complaint that I opened, does n't seem legal or transparent or right. 
- I filed a complaint about not getting my original complaint copy XXXX and asked for a copy of my loan ageement stating that the same interest daily rate would be charged even even if I was paid 'ahead ' as it sees that as the principle / balance goes down the amount of daily interest should go down as well. 
-Part of original complaint was that the IVR did not advise of fee for making a phone payment nor did he rep who attmepted to take a payment over the phone but the next time I tried making a phone ayment the systemd tried o chage me without prior notice. 
- Filed another complaint XXXX because in order to get to a person you have to excessively listen to the recording and press buttons to try to reach someone once into the IVR - Filed another complaint XXXX because XXXX the supervisor told me that manger calls calls are not recorded so In essence a manager can tell a customer anything then deny it later which seems inappropriate as the phone workers are all recorded why not the mangers calls? 
- Filed a complaint XXXX because not everything in my original complaint was address. Have no clue as to what the person wrote down, if anything else deceptive business practice. 
- Complaint XXXX for sending a letter stating PIF then confusing me by sending another letter stating it was not PIF ... especially since it was dated the very next day! No check and balance. 
At this time I am leaning toward seeking an XXXX advice ( for class action ) on the misleading static daily interest fee, a rep hanging up on me, not advising that MY complaint copy would not be given to me without court order, supervisor calls not being recorded but worker calls are recorded, mis-leading IVR information, mis-leading IVR payment fees, and be given false information regarding local office information.
Attempted to obtain my yearly free credit report from Experian, was unable. I had no issues obtaining my report from both XXXX and XXXX. In fact, Experian mailed me my last copy of my credit report to the same address as I have now on XX/XX/2017 under report XXXX. Agency should not be able to " pick and choose '' as to when they want someone to jump through hurdles of mailing identifying information through the mail in order to obtain the report for which I am entitled to. 

I do not have any fraud alerts on my report.
I received a prescreened marketing ad for the American Express gold card in XXXX XX/XX/2015 and researched the card online. I decided to open the American Express XXXX XXXX XXXX card with a {$100.00} statement credit for spending {$1000.00} instead. I made my XXXX purchase with the card on XXXX/XXXX/XX/XX/2015. Within a week of receiving my card, American Express sent me a {$250.00} statement credit offer if I spent {$1000.00} in the XXXX 3 months if I use RSVP code XXXX. I called to request that this code be applied to my new account, and the representative told me she could not apply the credit. She suggested I try to close my current account and re-open a new account with that RSVP code to get the {$250.00} statement credit. Following this representatives instructions would cause me to incur a negative credit impact and also a possible balance transfer fee. I feel that since my account is still within the XXXX billing cycle and I received this prescreened offer addressed to me from American Express, that this company should honor the {$250.00} statement credit without making me close my current account and open a new account.
I disputed the debt, the company sent a letter and a document that does not show what was paid by insurance and copay. The " bill '' of {$190.00} just states that I owe {$32.00} but does not break down which portion was covered by insurance or paid with patient copay. No further information was provided by the organization on the actual breakdown of charges and payments so I can see if there is an actual deficit in payment by the insurance because my portion was paid.
My car was seized in XX/XX/XXXX. I went to 2 court dates and on XX/XX/XXXX the judge gave the car back to Ally. They put in the paperwork to have the car returned to them. I was told in court that Ally would contact me within 30 days to let me know if they were going to return the car to me. I called Ally and customer service said that I would get a letter on instructions of getting my car back. That did not happen. I paid the car up to that point. The XX/XX/XXXX payment was never cashed. I did not hear from them until XX/XX/XXXX stating that my car had been repossessed and was going to be sold. I answered back that I wanted my car back but received a letter from XXXX XXXX that I owed {$10000.00} before they even contacted me. How does a car that they had in their possession for 3 months get repossessed?
I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.
They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account.
Calling with false information on a former business that closed over a year ago. Continues to call, hides phone number with private numbers and is just generally rude and harassing.
We received 2 attached contradicting letters from Rushmore in response to my initial CFPB Complaint Number : XXXX. First of all, both letters were dated on XX/XX/XXXX - From both XXXX, CA Office ( which attached a PDF Response Document ) and XXXX, TX which included inaccurate information which does not attest to the full truth. Here are my concerns as follows : 1. PDF Document attachment again does not outline the Fact that we are currently under a Forbearance Program through XX/XX/XXXX via XXXX XXXX Transfer to Rushmore Loan Servicing. ( Please see Attached documentation which was sent over 7 times to Rushmore and original SPOC - XXXX XXXX ). Also, your excuse about posting a note on our door is contradictory as well because we were already in a Forebearance. We were also fully aware of debt obligation based on XXXX XXXX XXXX   Forbearance information which was already sent to us and Rushmore during the Transfer, and there was no need to attach our Mortgage * & Deed information. This is another form of Retaliation because we filed a CFPB Complaint as U.S. Veterans. 

2. The 2nd Letter received was from the XXXX Office with the same date of XX/XX/XXXX which is inaccurate full of untruths. Contrary to this letter, we reached out to correspond with Rushmore on several occasions via email and phone with no response from the original SPOC - XXXX XXXX - until XX/XX/XXXX. After several attempts and a prior CFPB complaint, XXXX XXXX, finally reached out in XX/XX/XXXX and we spoke about the current Forebearance and the fact that it goes through XX/XX/XXXX. 

We also specificallly spoke about the Loan Modification application being submitted by the end of the Forbearance to roll-in the loan balance/restart loan at 30 yrs, once we submit the application with updated income. Therefore, this letter is also a form of retaliation because we filed various CFPB Complaints regarding Rushmores treatment towards U.S. Veterans and XXXX Minorities. 

Although, Rushmore reassigned the case to another SPOC, does not negate the fact that they have discriminatory practices towards XXXX Minorities and U.S. Military Veterans.
Wells Fargo Bank never contacted us in reference to our banking with then. We have seen the illegal practice suit brought against them and nothing was given to us for options or financial arrangement to assist us in our lives due to their illegal use of our funds paid. We would like to discuss with them a arrangement to assist us in our mortgage of 24 years. It is in creditable to find out that the powerful get the money and the customers are screwed and get nothing. Where is our support, how are we given credit for our banking with a bank who has over charged and illegally billed over the years and we get nothing. All accounts should be credited or released of liability of payment. How can they get AWAY WITH THIS?
I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me
I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and XXXX are both showing several accounts showing open by Dept of Education and Navient for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to Navient and the Dept of Education. I even sent letters to the CEO. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.
contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauthorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XXXX XX/XX/2018
This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such. 

This collection account should be deleted immediately from my credit report.