WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX in XXXX ny was closed down, due to law suits against them. Unfortunately anyone whom attended before XXXX had to continue to pay their school loans. Anyone currently attending at the time, loans were forgiven. I lost my job at the time and was married. I called navient to lower my payments enough where I could make minimum payments however they denied me a income driven repayment plan or any plan. Instead they offered loan forbearance. Letting me accure interest. Since I had no choice and they gave me no other options or alternatives, nothing to help me just forbearance. I started off with a {$32000.00} loan now {$37000.00} loan and I've been paying since XXXX now its XXXX. Im complaining about how the school has never given me options and continue to not give any other options til this day. Their exact words " you've exhausted all your options ''.
XXXX XXXX XXXX is the attorney representing Capital One, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX bank account out in XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed. 

Since the withdrawal of the levy in XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case. 

XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm. 

XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter. 

On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. Judge stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
I have several medical bills in collection from a company called Bull City which are not mine. I was never hospitalized or seeked medical attention at any of the times listed.
I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.
XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  VA  XXXX  #  XXXX  dob  XX/XX/XXXX     XXXX ,  XXXX  and Experian will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX  directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
They are calling my workplace. A representing by the name of XXXX XXXX keeps calling.
I 've been trying to get Equifax to correct my home address for a month ( XX/XX/XXXX-XX/XX/XXXX ) ..sent in required proof of address 3x ( copies of s.s. card/drivers license and letter from US Treasury with my correct address ).  talked to several agents with this company who agreed that they had received my documents and assured me that the problem would be fixed. on many occasions I 've been put on hold with no one responding, directed to another # # that sent me to recording with no resolutions. they have my address from 4yrs ago as my current address. I moved 3yrs ago to an address that they listed as previous address. I have been at my present address for 2yrs. I 've gone to their web page to submit online dispute but it only states temporarily unavailable..
Barclaycard US sent m e blank checks that I can use to write myself a check to transfer a balance at a promotional rate.     I wrote myself a check ( which was allowed per terms and conditi ons ). Two days   later, I get a call from their security team asking numerous verification questions. I spend half an hour on the phone verifying myself, I am finally thanked by them and told that the check would be processed.     A day later, I see that my bank is charging me back for the check ( meaning the check did not go through ). I then shockingly see th at BarclayCard US is chargin g me a " {$26.00} check return fee ''. My bank also charges a {$12.00} fee I call them on the phone, to get this resolved. The first customer service representative puts me on hold for  10 min utes then hangs up on me. The second customer service representative (  XXXX   ) t ells me that the fee is irreversible and fails to provide a reason why. I ask to speak to supervisor and threaten to submit a complaint.  XXXX , the supervisor finally gets on the phone and says that fee will be reversed because it should 've never been charged and reverses the fee.      Barclay Card US  also failed to process the balance transfer, honor the check or provide any explanation for why the check was rejected.
I contacted the XXXX  also goes by " XXXX XXXX XXXX XXXX  WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. 

The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.
Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!
I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.
XXXX XXXX XXXX ( XXXX ) has been notified several times that the cosigner ( father : me ) wishes his name to be removed from legal obligation on the contract of my son 's college private loan. The loan in question is dated XXXX/XXXX/XXXX with an outstanding balance in excess of {$8000.00}. He graduated in XXXX, XXXX and has met or exceeded his payment obligations every month since then. He is now married and has a joint income of more than {$120000.00} ; his personal income exceeds $ XXXX/annually. Clearly, he is able to meet his own obligations relative to educational loans. 

I have contacted American Education Services ( AES ) numerous times. AES contacted XXXX in XXXX, XXXX and in XXXX, XXXX, and XXXX, XXXX. All contacts have received no responses. 
My complaint is with XXXX. Not with AES.
I was at a Suntrust Bank location today and was ( I believe ) intentionally short-changed on a deposit. Fortunately, I counted my cash before I left the property, immediately went back into the branch and the issue was corrected by the same teller who did the original transaction. I am very concerned that this appeared to be a conscious attempt to defraud me. I tried contacting Suntrust Corporate to speak with their internal audit staff but their customer service was not able to help me. They did not even seem to know whether or not Suntrust had an internal audit staff. Suntrust website is equally unhelpful. The links to the Fraud and Security section are all addressed at external sources of fraud.
Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.
I 've had many issues with Franklin American Mortgage company. However my chief complaint with them and reason for coming to the cfpb, is the fact that they sent an inspector out to my home after I had become delinquent on some payments and that inspector took it upon themselves to turn off my water. Once that inspector turned off my water without my knowledge, the boiler that runs on gas proceeded to still run and the gas burned up my boiler. Now my boiler caused a small fire in my home and that fire has ruined my boiler. When I called the mortgage company and asked them what they sent an inspector to my home for, they said that it was because I was delinquent on payments. But at the same time I had also already supplied them with XXXX applications for short sale / deed-in-lieu of foreclosure documents. I have been working with the company since approximately XXXX of 2016 trying to get a short sale or deed-in-lieu of foreclosure started. However I got nothing but the runaround for almost the entire process and it took an entire month to just get them to send the application to me. After the application was sent to me the first time it was processed but they never sent me any notification that they required additional documentation so they just closed out the application. The next time I started the application over they actually lost the documentation and now I 'm in the third time of having to send them the application. When I asked to elevate it to a supervisor, the supervisor gave me an incorrect extension and fax number for them. Luckily and thankfully the VA that also is in charge of my loan, called me and they are now assisting me with getting the correct documentation over to the subservicing company. However at this current time I am over {$9000.00} delinquent and I feel that that amount would be much less if they would have just aproved the initial short sale or deed-in-lieu of foreclosure documents. And on top of it all, I understand that I am delinquent on payments, however I feel that they should not harass me by calling every evening after XXXX finally after telling the VA all of this, they suggested that I contact the cfpb with a complaint and ask the cfpb to assist in getting the mortgage company to purchase a new boiler for the home in question. My insurance will not cover it because the XXXX person who dealt with the boiler on fire, would not provide a more detailed statement due to liability issues. I would like to thank you in advance for reviewing this complaint and I look forward to hearing from someone regarding this.
XXXX XXXX financial keeps calling me after I asked them to stop. They call 6-7 times a day.
I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.
I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015. 
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.
I have tried multiple times to get my named removed from a Bank of America account that my ex spouse and I had together prior to divorcing almost two years ago. It is a line of credit account number XXXX. I have our executed settlement agreement that states that I am not longer responsible for the account. My ex spouse has let the account go 90 days past due and it is being reported on my credit. This is a causing me a great deal of financial stress. 

Page 11 article 8 of the attached document identifies who is responsible for this debt.
First of all, I had to disconnect my home phone because it was the only way to stop unwanted soliciting calls from Nationstar Mortgage. Seriously. I HAD TO DISCONNECT MY HOME PHONE BECAUSE OF THEM!!! 
They, Nationstar bought my mortgage from XXXX, of course without my consent, and since I had a home phone number on file, they started calling twice a day every day begging me to refinance the very same loan they just bought the way it is. I had to say I do not want to refinance the loan hundred times. I talked to manager, and to managers manager, and they keep promising the soliciting calls will stop but they did not till I disconnected the line. Thanks God I was smart enough never to give them my office number cause like I sad I had to disconnect the phone to get rid of them. That is the reason I will never call them from my cell or office line not to let them have the numbers. Now, they started making mistakes on my payments and charging " Other '' from my monthly payments. So I went to their web site to send them email and inquire about it but to my disbelief their web site is not working. Of course only if you want to send email, I guess to prevent customer complaints. And it is not working for many days now, since last week. I just ca n't believe this joke of company has a license to do this business in the States. They can not introduce new " Other '' charges to MY MONEY just because they want to. Right?
My elderly father and his wife have health issues and are no longer able to manage there financial affairs.

I went to BBVA Compass on XX/XX/XXXX with him so i could also be assigned to his checking account. Once i looked at his account, i noticed a monthly charge of approx {$80.00}. on XX/XX/XXXX I inquired about this and BBVA said they have overdraft protection and they owe {$1900.00}. I also asked how much interest BBVA charges and they said it's 21 % APR.

I asked my parents and they had no idea they 1 ) owed {$1900.00} ( no where on their bill does it show this outstanding balance and 2 ) they have no idea they were paying 21 % which seems to be a hefty and unnecessary charge.

After going into a Compass Bank branch in XXXX on XX/XX/XXXX @ XXXX to ask about waiving the finance charge, the teller said i had to call. after more than an hour explaining my plight, they said they were unable to rectify my problem without first paying the entire {$1900.00} so they could close the account. I reiterated my problem wasn't with paying the principle but the interest. They said they could connect me to my branch and they can take care of it. I was transferred to XXXX XXXX XXXX XXXX TX XXXX location and they told me i must come in to their branch ( which is over 45 minutes away ).

They have been charged {$540.00} in interest in XX/XX/XXXX and {$260.00} in XX/XX/XXXX. I only want the interest charge waived and I will pay the principle. My parents have been getting charged by BBVA for over 10 years @ 21 % interest without knowing and dare i say, being told they are being charged this high of an interest rate.
Crediter name XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX   report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files