WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making student loan repayments to XXXX XXXX for approximately 4 years. I was under the impression that the program/plan that I enrolled in was for those employed in XXXX XXXX jobs. This program was to forgive one 's remaining debt if on-time payments were made over a 10 year agreed term. Each year, I have been required to complete a re-application for the income-based repayment plan. When my re-submission was reviewed for upcoming 2018, I was informed that I was denied. After a number of phone calls yielding little to no information over the course of three months, I was told that I never completed a " employer certification form '' and that the years of monthly repayment may not have been valid toward the plan thus, not making my loans " forgivable '' after 10 years of participating in a program that I thought I was a part of. I was never made aware of the form that needed to be completed by my employers ( I 've been employed in XXXX XXXX XXXX XXXX XXXX during my loan repayments ) until this week. Now, I am expected to make payments for approximately {$600.00} a month verses the {$220.00} that I have been making. This is just completely unreasonable and XXXX has done nothing to assist me. To make things worst, they are giving my wife an even more difficult time with her loans. The expectation of our family paying roughly {$1400.00} a month for student loans for the remainder of my working years is completely unfair and irrational. I have found that a lot of people across the nation have had similar problems with XXXX XXXX. There has to be a better way. I have paid thousands of dollars toward this debt only to see minor dents made in the large sum that is still owed. The interest just seems to keep me in a position of never making in progress -- I 'll be paying on this until I die. This is just crazy.
On XXXX XXXX we checked out of XXXX XXXX resort in XXXX, XXXX. We had a bill totaling XXXX. We paid a deposit prior to arrive of XXXX bringing out total owed to XXXX. Upon arrive we sat and spoke with a concierge and gave her a card to hold for incidentals ( Capitol One master card ) with the understanding our outstanding balance would be XXXX, and any additional rentals or food charges should they incur. At the end of our stay we checked out and paid and authorized {$700.00} on the master card and an additional {$1300.00} on a via card. Lastly we had rentals for snorkling gear we added in for payment ( total {$29.00} ) on the same master card. Upon departing around XXXX we were unable to receive a receipt from the hotel to sign and confirm all purchases because they could not complete the charges as explained without a manager to explain them. We asked for a receipt to be sent to us electronically and we would be on the XXXX of XXXX for an additional 5 hours should there be any further questions with charges. Upon departure the XXXX XXXX resort charged the master card an additional {$700.00}. There was no authorization for this charge to be run on the master card - as the limit for the card is {$750.00}. If there was a remaining {$700.00} balance, which we were not informed of in writing upon arrival with all other noted charges, the charge would have been paid with a debit or credit card having sufficient funds. The charge was disputer with Capitol One immediately and followup from XXXX XXXX stated they did charge the master card for {$700.00} - twice. This was unauthorized by the sole card holder. I would not and did not authorize a charge that is double my credit card maximum allowance. I have great concerns over the fraudulence on charges for {$700.00} on XXXX XXXX with NO AUTHORIZATION. Should the XXXX XXXX resort have any additional charges totally {$700.00} they feel are outstanding we would be happy to pay them on a card with sufficient funds. In the mean time our Capitol One master card has been charged 2 times for an unauthorized amount of {$700.00}. I have contacted the resort and Capitol One regarding this matter- both have been unable to explain who authorized the second charge of {$700.00}. I do not understand why Capitol One would allow for a charge to be run for {$700.00} ( or double ) my max credit limit.
RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.
On or about    XXXX   XXXX  , 2016,  I requested in writing for PNC Bank to stop contacting by phone and only communicate in writing. Since that time I have been contacted on several occasions. The last being less than a week ago. I attempted to escalate the matter to the supervisor  XXXX , however I was only transferred to a voice mail. Again no reply from t he Supervisor   XXXX . I attempted to speak to  XXXX  's manager, however they will only transfer you to  XXXX . All of the representatives will not transfer you past a supervisor. This in it 's own right is suspect as I was told duri ng one call that m y phone # was removed for calls, however it was later added back to the account. Yesterday I spoke with a  Vice President on th e escalation team  XXXX   XXXX . Her best defense is that  PNC  cant find the letter requesti ng PNC ce ase contact. While I appreciate  XXXX   XXXX  's position that PNC ca n't locate this letter, it does not negate the fact that PNC is in possession of the letter. If PNC lost the letter, appended the letter to an incorrect account, or threw it in the trash. None of these reasons or excuses are acceptable. I informed  XXXX   XXXX  of my intent to file this complaint. She asked that I resend the letter. I refused to do so. I do not want  PNC  to have the excuse that they " just received '' the letter, when in fact they received the letter in  XXXX  of    2016.       One would think that a bank like PNC would operate with common sense. A customer has told many of your staff that he does not wish to be contacted, Has sent in a letter demanding PNC stop calls, and as a last ditch effort communicate with  the Vice President of your Escalated Complaints Team. But NO.. The day after my conversation with  XXXX   XXXX , the harassment starts again. More calls from PNC. When I attempted to advise the caller that I was in contact with  XXXX   XXXX , the representative refused to look up  XXXX   XXXX  in the directory she has available and even refused to provide an employee or agent ID.     I respectfully request the CFPB as well as  the OCC fully  engage an investigation into  PNC  's business practices and their failure to adhere to Federal and State Laws. Considering the way in which PNC handles their Cease Communications Requests, I can not believe I am the only customer who 's letters are " not on record ''. I believe this to me a willful attempt by PNC to avoid adhering to consumers requests.     Thank you in advance for your time and review of this matter.
" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal information.
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
I was XXXX at the time when I originally got XXXX XXXX loans ( now Navient ). They gave me multiple private loans one for {$3000.00} with a cosigner and one for {$7000.00} for myself. I was current on my loans for many years. Then in XXXX 2013 was in a serious car accident that XXXX XXXX XXXX XXXX XXXX XXXX I was going from making {$42000.00} a year to making XXXX. Right after my accident my credit plummeted I obviously was unable to pay nothing as I XXXX and learned things such as how to dress and shower myself. All of the other loan companies worked with me and eventually XXXX my loans through XXXX and XXXX XXXX. All except XXXX, they were completely unwilling to work with me on my loans or even lower my payments which was eventually $ XXXX month by then. I told them countless times I was not working, but I im in a VR assistance program ( still am ) trying find gainful employment. I asked them to make payments more reasonable but they said there was nothing I could do. They called so many times. When i was n't able to pay my lower loan of {$3000.00} the continually harrassed me and my cosigner who was also going through a financial difficulty after XXXX her husband. Still the harassing of my cosigner and me continued. They never stopped calling, at times I felt just like XXXX. They were so harassing. When I answered i would say I 'm XXXX I ca n't pay the now {$600.00} they wanted. They also said forbearance was n't an option and I pleaded with them their response was " it 's out of our hands ''. I said again I ca n't pay this stop calling. Still I got XXXX XXXX to XXXX harassing phone calls telling me of my delinquencies and that i needed to pay up. They often changed their numbers including area codes and I told them countless times I was not able to pay. Currently Navient has a charge off on my credit that is increasing monthly and is at the amount of {$17000.00} while i get XXXX and still search for a job - I ca n't pay this! Navient has completely ruined my credit and their shady practices need to be thoroughly investigated.
News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/XXXX/.
In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
I reviewed the Experian credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX  has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX nor XXXX didnt provide it. As I believe all of  them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that Experian refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by Phoenix Financial in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). 

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

Phoenix Financial has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against Phoenix Financial. In which, Phoenix immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
I attended a little over a year had to take maternity leave and before returning to school they shut down. It was extremely inconvenient to have to stop everything and expect me to pay half of my tuition back after not being able to pursue my career I was studying. It has ruined my credit for nothing. I am a single mother of XXXX so money is not my greatest asset. Going back to school was supposed to help me provide a better life for my children.
I previously notified Navient that I am a victim of identity theft, and requested that they do the following Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. S 1681 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that
The Florida Attroney General Investigator XXXX XXXX and the XXXX County Sheriffs Office filed a number of Investigations for Property Loss againist XXXX XXXX and XXXX XXXX in ( XXXX ) for XXXX, XXXX and XXXX. 

XXXX, North Dakota dismissed the outstanding balance of ( {$790.00} ) as it pertained to the Property Damage, Property Loss and Identity Theft filed with the Florida Courts and XXXX Judges. 

XXXX XXXX stated that the Outstanding Balance of ( {$340.00} ) was an unresponsible action of either the Retail Store and or the Online Order Service but, refused to resolve or mediate for ( 4 Years ) and Continuing. 

There are, Escalating Concerns of a Contiuned Fraud, Theft and Scamming of Resurgent Capital, XXXX XXXX and XXXX XXXX. 

XXXX XXXX ( XXXX ) XXXX ( XXXX ) {$3000.00} Property Loss ( XXXX ) ( Phone Service )
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) XXXX has not marked the account on my credit report as " Disputed  '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX  account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.
I saw the checking account cash offer on the internet and I opened a new checking account with Capital One 360. Then I called in to confirm with the representative to make sure the offer is valid. The service personnel told me the cash offer {$400.00} is valid as long as I have XXXX direct deposits within 60 days. Now I have satisfied the requirements by making XXXX continues direct deposits. Today I talked to the customer service again and they told me that the cash offer is no longer valid. This is really bad customer experiences with Capital One 360 because they told me the previous customer service did not put notes in the system.
XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.
USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.