WillisBack/dataset-financial-user-claim huggingface dataset:
I am from XXXX, came to US in XXXX to pursue my XXXX in University XXXX ( XXXX ), XXXX XXXX, ND on an XXXX ( XXXX XXXX ). I was maneuvered as a cosigner of student loan in an unfortunate and insidious situation by the primary borrower XX/XX/XXXXand the principal of the student loan was {$9200.00}. The primary borrower, an US citizen, was working as XXXX XXXX of XXXX where I joined to pursue my XXXX program and later started working as an part time employee of XXXX section of XXXX and also. She took advantage of her position at XXXX and me by asking to cosign her own financial loan application. Because of different cultural background, lack command of English language used in statutory/promissory and deceived and untruthful manipulation by the primary borrower I could not asses the gravity of the cosigners responsibility. According to my previous knowledge and experience about loan process in back in XXXX, I thought my signature was just for verification of identification of borrower, no financial responsibility associated. Also in XXXX the financial obligation of cosign is fulfilled by immediate relatives of primary borrower whose assets and financial conditions are judged before. Furthermore according to the rule I do not qualify as a cosigner as I am not XXXX, the primary borrower being an employee of XXXX then, had convinced me the same ( use my signature just for verification purpose, no financial obligation involved ) and asked for a 'small ' help for her academic advancement. She also took responsibility that I would not have any financial obligations as I am an XXXX who do not qualify as cosigner. I also intended to help her as my past colleague to pursue her academic advancement without any financial responsibility. 
Unfortunately, she after few initial payment stopped paying the loan and I started getting letter, phone calls and a letter from the creditor 's attorney to me threatening of legal action if loan is not paid. I communicated the bank through phone call and letter from my side and also by an attorney who sent a letter on my behalf to the banks attorney in response ( in XX/XX/XXXX ). I conveyed them several time that I do not qualify as a cosigner for the loan and requested them to exclude me as cosigner but Bank did not listen to that. 
I am still receiving letters and phone calls. My credit score has severely affected by this outstanding loan amount. I am getting immense mental stress and harassment. I would like to know what the solution of this issue is. I am attaching the copy of the promissory note of the loan that I signed as cosigner. Please help me.
Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.
This company never reached out to me about this debt. They added this debt on my file and i never knew anything about it.
I can not get Ditech Financial to process my XXXX XXXX to my account. This will be my 2nd attempt in getting Ditech to process the Dodd-Frank Certification with zero assistance. My first attempt was on XXXX XXXX, 2016. The documents sent into Ditech three ways - mailed, faxed and uploaded ( located Hardship Uploads ) on to Ditech webpage to my account profile as directed in notice dated XXXX XXXX, 2016 - Ditech failed to process these documents. 2nd attempt XXXX XXXX, 2016 - Mailed, faxed and uploaded on to Ditech webpage ( located Hardship Uploads ) as directed in notice dated XXXX XXXX, 2016. Detech keeps sending me the Document to fill out but refuses to apply the document to my account status adjusting my balance.
Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2017 to GDAX exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support many times with no resolution in sight.
I'm having an issues with JP Morgan Chase Bank. The issues is between an internet website vendor XXXX and myself, that they are in breach of contract for the services they promised and sold me. I asked them to cancel my services with XXXX, they would not without charging me the full amount, we were 4 months in on a 12 month contract. This is the back story. 
I contacted Chase on XX/XX/XXXX to put stop payments for the monthly billing from the XXXX website and they did for the amount of {$120.00}, I also asked for any future charges from XXXX to not permitted to happen from this vendor, as well as cancel my current card and to re-issue it. Thinking this process was done on XX/XX/XXXX, I received a charge from the vendor XXXX in the amount of {$900.00}, and the card was not cancelled. 
So we contacted Chase Bank to have the charge of {$900.00} to be disputed and Chase reversed the charges, It was until XX/XX/XXXX the card was finally cancelled. weeks later Chase contacted me by email to say they are siding with the vendor and reversed the charges again. I contacted Chase and spoke with the department that makes their decision to stop payments and charges. I asked if they had noted the account on XX/XX/XXXX, they said no notes on the account, I asked do you note every call? They replied yes. I asked what department was I speaking with that put the stop order in, for all charges, they said they did not know. I asked to speak with a supervisor and got the say reply they were going with the vendor. I asked why didn't they call to speak with me on the charges and only the vendor. They had no reply. I explained the vendor and I relationship has no bearing on the charges that incurred do to them being in breach of contract. I asked what is stop any and all future payments from this vendor means? Their only response is that they decided the charge was relevant and that only checks can be reversed not XXXX charges. This put me over the top. That XXXX   purchases absolutely can reversed and this is why we don't use checks any longer. The call was over at this point because Chase was not working to protect my 2 business and 2 personal accounts I have with them.

After the 2nd response that they we're going with the vendor, we then resubmitted for a reversal of the charges again with no avail in changes. We feel that Chase is not protecting our money and is willing to give it out to any vendor regardless of the situation. All locations for bank documents are not able to be found online they all show blank so all consummations here are not able to be printed or seen from a public or private stand point. 

We greatly need your help and protect in this gross violation against us.
This is NOT a duplicate complaint. This is a new complaint against the credit reporting agencies. XXXX XXXX corrected my credit report and now is ( 0,0,0 ), but my credit file with XXXX, Xperian and XXXX still appear as delinquent for 30 days. 

The facts are the followings : XXXX gave payment extensions to all clients who needed such relief, after Hurricane Mara hit the island last XXXX. The extensions were for the payments due on XXXX, XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XXXX, XXXX and XXXX, since he had made the XXXX installment payment before the hurricane hit, we have proceeded to extend his XXXX installment ; thus making his account current and his credit history 0/0/0.
my husband added me as an authorized user on his account with his capital one credit card. M husband lost his job and stopped paying on the card and it went to collections. I recently went to apply for a small loan and was told that it was showing on my credit report that I was delinquent on my payments with capital one. I 'm only an authorized user. My husband called capital one and they confirmed this and stated that I needed to contact the credit bureau. I want to get my credit fixed and this off my credit reports ASAP.
I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
Dear Sir, MadamSince late 2012, I have been going through recurring personal and family crisis and I fell, several times, behind in my JCPenney credit card payments. The debt was then transferred by JCPenney to Synchrony bank to which I paid between {$76.00} to {$96.00} each month. On or about the XXXX of XXXX, I called Synchrony bank to ask it to postpone processing payment by three days because I did not have enough money in my account and I wanted to avoid the many overdraft fees XXXX XXXX manages to charge me with often. I talked to a representative on the phone who asked me what causes me to have financial troubles ; therefore having troubles at times, paying. I told him about some of the challenges I have been facing for about 2 years now and he asked me to stay on the phone to get me another person who could modify the terms of the agreement so that I would have a lesser monthly amount to pay. Someone then came to the phone and we made an agreement for me to be paying {$36.00} monthly and the payment postponed for the XXXX of this month. I was therefore, totally, completely, taken aback when I visited XXXX XXXX XXXX website, shortly thereafter, to find that not only Synchrony bank withdrew {$76.00} and another payment of {$36.00} was also processed by JCPenney. I found myself again in overdraft situation and XXXX XXXX charged me, as expected fees because of it. I called Synchrony bank and the representative 's reply was " Oh, that because, on the phone conversation, you did not specify that you wanted the previous agreement canceled. Stay on the phone and I 'll transfer you to customer 's service ''. " If I do not get a response from customer service? ", I asked. " Then call the bank to oppose payment '' Surely customer service did not answer and I called XXXX XXXX to tell it what happened. Its representatives said that they can deny the JCPenney payment but can not do this for the {$76.00}. i sent an e-mail to JCPenney which responded and said it has nothing to do with this, that it is solely, has to do with Syncrony bank. XXXX XXXX refunded the overdraft fees it charged. 
This is where things are right now. 
I thank you for your time and attention. 

XXXX XXXX XXXX
I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud
Collection agency name is XXXX XXXX for amount {$400.00}. I sent collection agency a debt validation and they have not responded and reported to XXXX report. Once again this does not belong to me.
I have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.
My credit card account with Bank of America ( BOA ) ending in XXXX was paid in full and noted as a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, I was charged XXXX. XXXX in interest. I contacted BOA on XX/XX/XXXX in an attempt to understand why this interest was charged to my account. I spoke with several representatives who failed to give me a satisfactory reason for the interest charge on a XXXX balance. I was repeatedly told, " the interest is charged on the back end. '' To gain clarity, I asked to speak to a supervisor. I was transferred to supervisor, XXXX XXXX, who was very rude and unaccommodating. XXXX was blunt and rude and refused to make any adjustment or provide any credit to my account although I've been a loyal customer for several decades. XXXX repeatedly indicated, " interest is charged on the back end. ". I've had previous BOA credit card accounts and after paying the balance in full, I was not charged interest " on the back end '' as I've been told. Please see the attached statement that supports this claim.
When I started paying on the loan to  Navient and  was unable to pay the full amount because of going through a financial hardship, they didnt give me the option to have a lower payment. When they finally told me about it and my loan went into forbearance it accumulated so much interest making it even harder to pay off. So no w Im s tuck paying off interest
I sold my home on XX/XX/2018. My wife inadvertently provided her personal credit card for the wire transfer, and approximately {$330000.00} was transferred to that account. We immediately contacted Bank of America to begin transferring those funds to our personal checking account, and we were told the process would take 2-7 business days because of " the large amount '' of the funds and because we needed a check for money laundering. 

We called back after 7 business days had passed and were told that it was actually going to be up to 12-17 business days. After asking whether Bank of America had performed all the checks they needed to perform already, we were told that yes, they had been. I explained that I was confused why in that case my money was being held hostage by the bank without interest, which seemed to be a violation of federal bank regulations. I was not given a reasonable response to why the funds were being held ; both the associate with whom I was speaking and her supervisor appeared sympathetic, similarly confused, but unable to help. 

At this point it appears to me that the bank is holding a significant amount of my cash hostage without reason other than profiting from the interest on it without any compensation to me. While this is a few hundred dollars of interest lost to me, across many this could add up to a substantial sum. I believe this is worth probing further.
I have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!
submitted a claim in XX/XX/XXXX for a deposit reimbursement on a moving company that i cancelled service within 24 hours ( below their 72 hour policy ) BOA rejected my claim, in favor of the merchant, i faxed all the backup document in XX/XX/XXXX, with proof of email cancellation within 24 hours, and the company 's cancellation policy. BOA again, rejected my claim in XX/XX/XXXX with out any explanation and any mail sent to me with explanation. Even though i had spoken to 4 different customer service agents who escalated it and acknowledged my fax. I called BOA on XX/XX/XXXX, and they acted like they didn't know about the fax i sent, and the proof of cancellation. The Claim 's department is the worse i have seen in my life. Instead of helping their customers ( i have been a loyal customer for over 15 years ) they don't care. They rather loose the business than have to to real work and their job. Why does BOA pay these people for doing nothing, but the are ok with taking XXXX dollars from their customers, unfairly.! Also, they already took my money from my account on XX/XX/2018 XXXX Temporary Credit Reversal. but i got a new message stating that a result, the credit for {$860.00} that was previously applied to your account will be removed on XX/XX/XXXX.  Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed. THEY WANT TO TAKE IT OUT OF MY ACCOUNT Twice!! Please help recover my money, due to this and their other claim mistake, i have been hit with many NSF charges.
I had purchased a REloadit pack in the amount of {$470.00}. The REloadit pack number was ( XXXX ) and when I tried to apply the pack to my REloadit account, I received the error " Invalid Pack. '' Concerned, I called REloadit and was hung up on several times before finally reaching a person. The representative told me that someone else had claimed the pack and a refund is being processed to that person! I was asked to send a selfie holding the REloadit pack with the receipt, to prove that the pack is mine, and was assured that I will get the refund instead. However, even after sending all of this in, they said the refund is being processed to the other person. They are completely unresponsive to emails and I have to call every time just to get some excuses and incompetent people telling me that I cant get my money back. There is some big fraud involved here for sure and I will not be using this service again until I receive some sort of resolution
I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.
3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. ****
Today, XX/XX/XXXX, I received an alert from Experian, stating that a new account was posted to my credit report, with a COLLECTION status. The collection agency name is Diversified Consultant, I`ve never heard of this company, nor do I OWE them any money. The post stated that I owe them {$300.00} for account # XXXX, a XXXX XXXX account, which supposed to have been opened in XX/XX/XXXX. I did not have a XXXX XXXX account in XXXX or any previous months. Apparently, this is an account which was recently sold by XXXX XXXX XXXX, of which I disputed on XX/XX/XXXX,  thru your agency and was removed /closed on XX/XX/XXXX. And furthermore, I was never given any notice of delinquency by this company. ALSO DIVERSIFIED CONSULTANT HAVE NOT VALIDATED THIS ACCOUNT, BEARING MY SIGNATURE AS REQUIRED BY THE FDCPA CODE SECTION 807-8. I DIDN`T HAVE ANY NOTIFICATION PRIOR TO THE ALERT FROM EXPERIAN, TODAY., WHICH IS ALSO A VIOLATION OF THE FDCPA AND FCRA. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY NOR HAVE I SIGNED ANY CONTRACT WITH THEM.