WillisBack/dataset-financial-user-claim huggingface dataset:
I am not sure if Nelnet is the federal government or a non- federal student loan. 
Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.
XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report is inaccurate.
This complaint is in regards to a charge-off from Capital One. Capital One has been using extremely unfair practices in credit reporting. My charge-off initially started with one account number ; for some odd reason the account number was transferred and a new account was created with the same information. So, I actually had 2 accounts dinging me with the same exact information. I had to call Capital One MANY times to figure out what was going on and it took me MONTHS to have the duplicate account removed! Starting in XX/XX/XXXX up until XX/XX/XXXX I had started making payments to XXXX XXXX XXXX XXXX XXXX on my charge-off account every single month. The balance on my account had never went down. My original balance was {$3100.00}. Month after month, I was making payments with no decrease in the balance on my credit report. After some time I had filed a dispute on the account with the credit bureaus becuase the information reporting was incorrect. Capital One came back and reported that the information was correct and met FCRA requirements. Which it did not. Later, they sent me a letter in the mail, which I saved as proof of their unfair practices, that the information that was reported was incorrect and that they had fixed the issue. So they lied to the credit bureaus? Finally, my balance was updated after making 13 months worth of payments to {$290.00}. Well, this wasn't the end of it. After I had made my last payment in XX/XX/XXXX, Capital One went back and updated my balance back to the {$3100.00} and the status showed updated on XX/XX/XXXX! What are they doing? I called many times and spoke with the executive office and was promised returned phone calls which I never received, and when I did get a call back I was often put off or told to wait a few more days. I finally just gave up. I pulled my most recent copy of my XXXX report just as evidence of their fraudulent reporting should they try to cover up their mistake. Even more, when I had made my last payment, they said it would take a month to furnish me with a receipt and confirmation that my account was paid in full. They refused to email me a copy of it.
My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America
On XXXX I purchard XXXX XXXX XXXX From XXXX XXXX XXXX.. 
At time of Purchased I gave two deposits one for {$400.00} from XXXX and second for {$500.00} using my XXXX XXXX XXXX / XXXX XXXX XXXX.. 
After investing XXXX in repairs I find out the car needed additional {$920.00} in mechanical safety repairs that the dealer refused to repair acourding with NJ MV inspection Rules ... 
At that point I returned the car on XX/XX/XXXX to my selling dealer. 
On XX/XX/XXXX My selling dealer XXXX Paid off my installment contract with XXXX Canceling and Voiding this whole deal and any oplagations to said car. 
Since then I have recived my first deposit from XXXX card for {$400.00} Howerver my XXXX XXXX is holding me to the orginal contract that states its a none cancelable contract actording to the seeling dealer however the dealer has canceled the deal making all deposits refunable ... 
The issue I have is with XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Refusing to issue a full refund in the amount of {$500.00} do to a voided purchard of Merchandise ( ie : XXXX XXXX XXXX )
I have been trying to close my account since XX/XX/XXXX when Bank of America placed my account in closure status. I have called at least 40 times, gone into a branch at the direction of the risk department to withdraw my money and was unsuccessful. 

As of XX/XX/XXXX, Bank of America informed me that they were no longer closing my account due to an error made regarding fraud that was not fraud. I was told my account would update overnight and my money would be available the next day XX/XX/XXXX. 

Now on XX/XX/XXXX I call and I'm told Risk isn't the right department, I get transferred to a supervisor who hangs up on me and doesn't attempt a call back. Upon calling back into the Risk department I'm told that they do see the notes and it could take 24 to 48 hours for me to receive the update and gain access to my account and money. Well, it's been 72 hours since that time and nothing. Additionally this has been ongoing withholding my money from me for almost two full  months.
I opened a checking account online at Wells Fargo. I stopped by this morning to sign the paper work and make a small deposit. The banker I spoke with asked me to sign up for overdraft protection which I declined because it has to be linked to a savings account. It appears he went ahead and opened the account either way without my consent. I only realized it when I signed up to my online account
Investors Bank, XXXX XXXX, XXXX NJ has continued to mail banking statements, XXXX Tax forms - to a former address despite my repeated requests. 
I have called their customer service line. I have met with the branch manager. I have met with the assistant branch manager. They have copied my license three times in the past seven months and assured me that they have corrected it ; yet they continue to send banking statements to an address that has been invalid for 2 years.
This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found.
In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
My original complaint was sent to Experian and their response had nothing to do about the reported problem. My existing CFPB complaint ID is XXXX. I wanted a way to contact a REAL person within Experian to explain to them the problem. I did send them a detailed written description of the problem, in addition to my complaint to CFPB, but their response which was a result of whatever you forwarded to them was complete BOILER PLATE! 

No matter if I use their web site that supposedly will enable me to to temporarily UNFREEZE my account, or if I call the number they publish, which is supposed to be a HELP contact, I am asked for the same information that I submit on their web site. No matter what I enter, the same message is returned, " WE ARE SORRY BUT WE COULD NOT VERIFY THE INFORMATION YOU PROVIDED : They do not, I repeat, DO NOT provide a number that gets to a real person. 
Their automated voice answer machine does not have any option that addresses my situation and it neither provides me the ability to connect to a real person. I enter what I believer is a valid pin, I received it from them in correspondence they sent to me. They do not say what area of the input I'm submitting is wrong. So, end result is I can not unfreeze my credit account and as a result I'm prevented from buying the automobile I wanted to buy and I can not open a credit account to pay my XXXX  for XXXX XXXX. How is it that Experian can be allowed to have this control over my life and NO ONE will do anything about it. 

How about you at the CFPB? Are you helping me, do you want to help me? Will anyone help me?? 

XXXX XXXX
This is my second claim against JP Morgan Chase due to your continuation of lies and deceiving this is about a claim of {$24000.00} that shes allowed me to open not informing me of any time limitations or amount limitations the claim was open on the XX/XX/2018 which chase claims that was way past they have 45 days limit to file claim but weeks and weeks and weeks of me calling and calling the claim was still processing and I was informed that would take up to 90 days to be completed their investigation in my case it took 45 days lots of phone calls for Chase to deny my claim saying that was over their timeframe I found my first claim here and Chase did the same thing delay two weeks and then denied the claim again saying that I never called you dont have any records of my calls here are the records of my calls and documents. Chase actually refuses to follow up with my claim or even to investigate my claim due to the fact that since this incident happened I have not deposit the single XXXX my account and Chase has overdrawn my account for over {$2700.00} and now they want me to make a deposit to bring my account current I think thats why Chase doesnt want investigate my claim. I have attached my phone log with all the phone calls that I made it to Chase to prove that I have called and called and that they lied and lied saying that they have no record of me calling
I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.
I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit. 
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.
XXXX is reporting XXXX student loans on my credit report with inaccurate information that is damaging my credit score. The late payments below are not correct. 

XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXXXXXX 90 days past due as of XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXXXX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my first dispute to them.
I have a XXXX American Express credit card. I have not used it since XX/XX/XXXX, and due to a return credit, have, or had, a credit balance of {$18.00}. 
I looked at my account online XX/XX/XXXX to research a prior purchase to discover XXXX fraudulent charges, XXXX XXXX XXXX/XXXX/15 for {$870.00} to a liquor store in XXXX, XXXX, XXXX to a fast food place for {$3.00} in XXXX and {$25.00} Service. 
I live in Massachusetts and have been with family in XXXX, XXXX from XX/XX/XXXX. I have not been to Michigan and the charges are not mine, clearly an error or fraudulent. 
I called the credit card number and was speaking with XXXX XXXX - - - - questions are concerning and most annoying - - - like how long at my address, how many bedrooms in my house, my driver 's license number, my social security number, what days will I be driving back to Massachusetts - - - - I finally became concerned and suspicious about the nature of quantity of questions, and she said she would not do anything about it. Compounding, I did not have total privacy in answering questions and I was on a cell phone. 
A statement was issued the following day requesting me to make payment of {$860.00} after losing my credit balance of {$18.00}. 
XXXX XXXX at American Express was obnoxiously uncooperative.
Our mortgage was sold to SPS by XXXX just a couple weeks before we were going to be closing on our short sale. We have been working with SPS since XXXX and initially they ran our request for short sale under the wrong terms so it was denied. After finding that out we had to resubmit all the paper work, by our short sale specialist, who called every week and asked how things were going was told they had all the necessary information and were waiting for a decision. At the end of XXXX they mailed us a letter saying that the terms from the second mortgage do not meet their requirements, which was never communicated to the short sale specialist any of the times she called. We were able to work with the second mortgage to get a different settlement term with them except that we need to close by XXXX which SPS has been aware of. We have had all the paperwork turned in since the beginning of XXXX and still have no answer from them. Every time you call it 's impossible to speak to a supervisor or manager and the " relationship manager '' they assign is a joke, the person never calls back and their extension always rolls over to the same people you were speaking with before. They have said they have " escalated the file '' and that 's all they can do when you ask to speak to their supervisor they say they can not do anything else. They put a " ticket '' in for the relationship manager '' to call you back but they have XXXX48 hours and that 's all they will do. I 've explained to them multiple times that we have to have an answer by the XXXX or we are going to lose this short sale and they could care less they say well it could take 30 days and there is nothing they can do besides " escalating '' the file. I feel like they are getting some sort of monetary kick back from someone to prolong this process. They are horrible. Please help us.
I am required to carry Flood Insurance on my home. Per the 1994 FEMA Reform Act, a copy of which is attached, I am only required to carry a policy for the outstanding principal balance of my loan which is currently {$130000.00}. This is the lesser of the 3 requirements. 

Attached is a copy of my Insurance Dec Page, with coverage for over XXXX. When I requested a reduction of my coverage limits, Citibank required me to carry coverage for XXXX AND withdrew funds from my escrow to pay for this " gap coverage '' Per my conversation with FEMA this is in direct violation of their policy. 

Per my conversation with Citibank Mortgage, they just require additional coverage?? This is unacceptable. This violation has cost me hundred and hundreds of dollars for unnecessary insurance premiums, which also has resulted in my monthly payment to increase hundreds of dollars.
Equifax continues to update and report a past due balance of {$2300.00} for a XXXX Account # XXXX that was paid and settled in XXXX XXXX, 2015. ( Copies of letters and cancelled checks are attached ). I have disputed this information with Equifax on numerous occasions. In XXXX they updated the account correctly, then in XXXX 2015 they reported the negative information again. Equifax 's inaccurate reporting is hurting my credit rebuilding efforts significantly and makes it harder for me to secure credit. This information should be updated immediately and not changed again. Equifax is in direct violation of the FCRA. I have given them multiple opportunities to correct and they have not.
On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.
I have continually received calls from a XXXX that ask for various names of people ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) about missed payments. Not only am I NOT any of these people, but I have no outstanding card debit. 

Upon googling the number I came to find that the harrassers are Discover card in XXXX, OH. I have notified them several times that it 's the wrong number due to 1. I am not who they ask for and 2. I closed my Discover account 5 months ago due to their ineptitude. I also came across a web board where dozens of people have had the EXACT same thing of being continuously called by Discover & asked for the same people ( XXXX XXXX, XXXX, etc ), even though they have stated on numerous times that it 's the wrong number. They always want to argue with me about who I am. Growing frustrated, I called them back and asked for a supervisor. After debating with one of their XXXX, I was finally put in contact with a supervisor named XXXX XXXX, who felt it appropriate to tell me " we can call whoever we want until we are satisfied '' and when I told her I had been called over XXXX times, she said " Oh well. '' I filed a complaint with the FTC after every call and yet, they have done nothing. 

Growing tired of their XXXX times a day calls and the FTC refusing to do their jobs, I contacted the XXXX, who sent the information forward. I received an e-mail from a XXXX XXXX who is listed as the Executive Office of Customer Advocacy of Discover shortly there after and a plea to call her so we could " figure this out. '' Upon calling her, I talked to yet another XXXX who could n't comprehend English very well. Stating first that " she had left for the day '' I notified him that I was in the process of contacting a lawyer due to the continuous harassment at which point he stated " Uhhhh, give me a minute, she might be around. '' After several minutes of being on hold, he stated " she 's in a meeting, she 'll call you back. '' I 'm still waiting for that call. 

All in all I have been called XXXX times, XXXX of them in the last XXXX weeks. I 've talked to a XXXX at Discover who I literally had a 5 minute conversation with about not being XXXX XXXX and he wanted to argue that I was. He called back the very next day and had the same arguement. I 've talked to a XXXX that has asked for XXXX different people when she 's called me in the span of 3 days and when I told her I was neither, her response was " are you sure? " The continued harassment by this company goes beyond unreasonable and somebody really needs to hold them accountable for their actions. Either through fines or just a good old fashion XXXX, I do n't care, but it is ridiculious. 

Dates and Times of the last XXXX calls : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX, XXXX. XXXX. XXXX. XXXX. XXXX. XXXX