WillisBack/dataset-financial-user-claim huggingface dataset:
MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.
I opened a joint account with my husband over 15 years ago with Bank of America. Subsequently, I developed a  XXXX  that makes it very painful for me to use a voice telephone. As I am not deaf or speech impaired, I do not have a relay service nor equipment to use one. Further, use of a relay service compromises privacy in unacceptable ways. I have previously complained here regarding BoA 's chat portal, where they first said they could n't help me because it " was n't secure, '' then backtracked on that and found other excuses not to use the portal for assistance.     Despite my opening the account, my husband was listed as primary cardholder, a fact I was not aware of until I tried to get information on transactions several years ago. I attempted to resolve this through use of online chat, but was unsuccessful as BoA refused to discuss the matter or afford solutions using a medium I could communicate with. I requested they escalate to their general counsel and/or  XXXX  coordinator, but nothing ever happened.     This week, I attempted to bring my credit card feed into my accounting program. I found myself unable to either view the credit card information online, or bring over the feed, likely due to not being the primary cardholder despite my opening the account. As BoA now advertised help via  XXXX , I tried that and asked how I could get help either via chat, email, fax,  XXXX ,  XXXX , or any other online means.     Unfortunately, the person answering my query on  XXXX  said BoA had taken down chat, and help would not be available using any of those means. My only recourse is to physically go to a branch. My  XXXX  makes it difficult for me to go to a branch, my work from home job usually encompasses the hours most branches are open, and I feel I should not be penalized for having a  XXXX  by a company that offers its services to the general public.     I fully expect Bank of America to treat  XXXX  customers with the same level of customer service afforded to other customers. This is, indeed, the law. They refuse to offer me any type of reasonable accommodation whatsoever.
I logged onto the Navient site last week. They have the incorrect school listed online for where I attended XXXX. I went to XXXX of XXXX and they have XXXX  XXXX listed. Also, I feel very confused about where they have allocated my payments and where the payments are going. I get that I owe A LOT in loans, but I do not see where the payments are going.
I already have a mortgage with USBank. I was contacted to refinance. I was told there would be no hard pull on my credit but there was one. I was also told I was approved for the loan. I later received a letter that I was not approved. I 've asked to have my hard pull removed but it has not. In the meantime, I have no idea where the refinance stands. I 'm somewhat educated in this world yet am still perplexed. I 'd rather resolve this amicably but am at my wits end ... Thank you. XXXX
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.
JPMorgan Chase as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for Chase to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of Chase 's false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as Chase, then consumers like me are not protected. We are being bullied by big businesses such as Chase and credit bureaus.
I had a debt that was being collected from XXXX XXXX XXXX I think last year. And it went on my credit report negatively for {$100.00}. This was not my debt. It was disputed and removed from all credit reports. A year later a company called Diversified Consultants , Inc from XXXX, Florida is trying to collect the debt apparently and it went on my credit report again. I have once AGAIN disputed it through the credit reporting agencies and wrote a letter to Diversified Consultants upon finding it on my credit report. I was never notified by them that they were trying to collect a debt or I would have submitted the investigation paperwork from the last incident. Which, to reiterate was removed due to lack of evidence this was my debt!! Now it seems the debt is being resold and collected again??? I have not heard from Diversified Consultants to date. I want them to remove the negative account from my credit reports and stop collecting against me immediately.
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.
TRANS UNION HAS BEEN NOTIFIED ON XXXX/XXXX/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER.
I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:
Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to  collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or  restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.
On XXXX XXXX, 2017, I decided to apply for a new Chase freedom card. During the application process Chase adds an unusual step asking if the applicant wants to transfer balances. I thought it was part of the credit history full disclosure application process. I added my other CC balances to the application. I later got on the phone to discuss opening my account and the Chase representative proceeded to tell me that I needed to reduce my credit limits on my other Chase cards if I wanted to open this card. Not even once did we discuss transferring balances. On XX/XX/XXXX I got an email from XXXX telling me that I had been charged close to {$600.00} in fees on my chase credit card. I logged in to find out that Chase had gone ahead with the balance transfers without consulting me. I called the representatives and asked why they had gone through with the balance transfers without my approval. Their answer was that during the application process I had requested the balance transfers and that was enough. I replied that if I had known about the high fees I would have never gone forward with the balance transfers. Chase told me that the fees are disclosed online and that I clicked the " agree to terms and conditions '' which I never knew included the fees. The process is so misleading that I had already paid down my credit card balances when Chase started the process of transferring the balances. Now I have credit cards with positive balances at a cost of {$600.00} that I never agreed to. I called Chase to tell them to undo the balance transfers and they told me that there was nothing they could do, even thought the transfers did not even appear on my other credit cards. A credit card application process should never include a misleading step like the one that Chase has on his application. Balance transfers or anything else for what a bank wants to charge an astronomical fee should be explained to the customer NOT hidden in terms and conditions that are not even upfront and center.
Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. 

Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. 

It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. 

At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. 

thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen, among them was my passport, driver 's license, social security number and paystubs that showed my address and birthday. Ever since several accounts have been opened in my name without my approval or knowledge. This XXXX XXXX XXXX account was opened without my knowledge or approval. The apartment complex that the XXXX XXXX XXXX service was opened at has acknowledged that I did not execute the lease or live at the apartment complex. The lease was executed in my name without my knowledge and all utilities at the apartment complex were opened by a third party without my knowledge. I have attached a copy of the the FTC identity theft affidavit.
I feel hopeless now knowing that I will most likely lose my property in XXXX since Wells Fargo can not stop the foreclosure scheduled in XX/XX/XXXX of this year. I have to work nights and days to keep up with my bills especially my mortgage. The last time I spoke to XXXX XXXX, Wells Fargo rep, they are still working on my case. Almost every week I am getting a letter postponing the resolution of the issue. I have a pile of correspondence with this bank. Yesterday I got a call from XXXX with no result except to call me today. I bet it is to tell me that they are working on the problem and they will get back to me in XXXX weeks, which is going to be the foreclosure date. 
Investors can not stop calling me. A month ago, Wells Fargo wanted my lawyer to help them out because obviously they can not solve the problem. The thing is I explained to Wells Fargo from the get go what was the problem. I am very specific but instead they keep on lying to me. They tried to play all sorts of tricks with me and right now who is the biggest loser? Me, the little guy like always. 
Wells Fargo makes things so difficult for customers even to leave a message for their reps it is a burden. They have XXXX digits for extensions. When you speak to these people they give you the impression that their bureaucracy is very intense. You will never be able to speak to the main person. NEVER! There is always a middle man. I do n't have anything against XXXX ; she may be a wonderful person. But she can not make any decision in this matter ; she just transmits someone else or a group of people words. Their lawyer suggested me to hire my private attorney when by having a mortgage with them, they suppose to defend. Guess what one of the investors told me Wells Fargo is the one whom filed a lawsuit against me in XX/XX/XXXX in order to register the deed. Their lawyer told me they had to do it because I was complaining about it. Right now I am desperate because in XXXX days that is the end of my property ownership because Wells Fargo is careless and negligent in conducting business with me. Noone in there wants to correct their mistakes. I also spoke to their attorney, whom refused to help me stating she is representing Wells Fargo and that I need to look for my own attorney. And I had to, in the name of XXXX. Now they do n't want to pay for the legal fees. It is unbelievable.
I disputed some negative items on my credit report with Experian on  XXXX   XXXX ,    2017  and on  XXXX / XXXX / 17  I received a email stating all my dispute was resolved and not was removed or corrected. I believed they never took the time to properly dispute my item. it was more then several items disputes, theirs no way they could have investigate my case.