WillisBack/dataset-financial-user-claim huggingface dataset:
In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response. 
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank you.
My credit score as produced by Experian and reported by XXXX is incorrect. I filed a complaint ( case # XXXX XXXX with your agency to force XXXX to report the correct information to Experian. XXXX sent me a letter dated XX/XX/2016 XXXX page # XXXX of enclosure ) verifying my student loans are paid off. Furthermore, a representative from the office of the consumer advocate, XXXX, phoned me on XX/XX/2016, to confirm that my " zero balance '' was reported to Experian. However, my credit score is showing " the balance amount paid down on your open student loan accounts are too low '' ( seep page # XXXX and # XXXX of attached ). This information is false/inaccurate as my loans were paid in full as per the Navient letter dated XX/XX/2016 and as confirmed by the XXXX advocate on XX/XX/2016.
I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
I went XXXX XXXX and finished with an XXXX and XXXX. I became severely I'll with a XXXX XXXX causing XXXX  XXXX. I took a private loan from XXXX as a last resort to pay for my final semester as the Federal loans were denied. XXXX XXXX XXXX XXXX ended up closing my bank account with my social security and SSI / XXXX payments and my bank account is shut down I have no access to my bank account and am occuring {$34.00} overdraft fees everyday and don't have money to pay it off. I have been paying student loans and made a large payment of {$1000.00} two-three months before account was shut down and {$150.00} a month on Federal loans since then. I wasn't served properly and never knew there was a lawsuit against me. XXXX XXXX XXXX the attorney filed suit in southern California when I live in northern California. I've lost XXXX XXXX from stress grinding them at night as I cracked the roots. I have had to secure counsel to help with this issue.
National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.
My car was paid off by insurance over three years ago and the finance company is still showing it was 30 days past due.
I reported the company and the Provider ( XXXX XXXX XXXX    XXXX XXXX ) to the California Dept of Managed Care, and the company admitted the debt was not owed and sent me a letter of XXXX debt. But every year I keep getting phone calls or letters from credit agencies about this even my insurance company XXXX wrote them a letter that the debt was not owed any more. But they keep trying to collect. I pay all my health bills on time, but nonetheless keep getting harassed by this company. I even submitted a complaint that they are harassing an Elder, as I am XXXX year old Senior Citizen and on Social Security. But I do not owe any debts for medical bills or any other services.
I submitted a complaint against Financial Data Systems on XX/XX/XXXX addressing the companys direct violation of federal & state laws by failing to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ), as well as the company 's TRUE address ( not a PO Box ). This is a direct violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 
Financial Data Systems response to my formal complaint on XX/XX/XXXX was as follows : We have verified these accounts a number of times. We have also responded to the NC Department of Justice in regards to these accounts. Our clients have provided information to him. We have had these accounts since XXXX and XXXX. I have contacted each client again in regards to the accounts. We notified XXXX XXXX that XXXX XXXX XXXX is allowing us to cancel that account out. Which we have done and have sent information to the Credit Bureaus for it to be deleted. XXXX XXXX is responsible to pay the other accounts. 
Financial Data Systems did not even address the issue of my complaint, nor was their response related or relevant to the complaint at hand. 
The company continues to willfully remain non complaint with North Carolina  Department of Insurance General Statures.
I bank with Wells Fargo and I did a Wells Fargo XXXX transfer on XX/XX/2018. The person I sent the funds to was suppose to do a job for me and never completed it. I asked Wells Fargo to do a claim for the money back. However, they tell me with the terms and conditions they I signed off on it states they are only responsible for the transfer. I would have to press criminal charges against the person to get my money back. Now when I question the presidents office : I asked : You were aware that you were putting your consumers in danger by possibly aiding a theft? He told me he was aware that they were putting there consumers in danger. I still dont have my XXXX back, I feel they are making up excuses as usual. I spoke to XXXX as well and they told me multiple times the bank is responsible for me getting my money back but as usual Wells Fargo takes no responsibility
I currently have issue XXXX open but the creditor is refusing to delete the fraudulent HARD INQUIRY done by whomever opened the account. It has already been determined the account was opened fraudulently and that all items should be deleted per XXXX. Equifax continues to advise that the inquiry is valid and in fact it is NOT. Obviously if the account isn't mine, I didn't apply for it so all pieces need to be removed from my credit report. 

I had opened an online dispute with them, confirmation XXXX, to have this inquiry removed and they closed it in less than a week saying it was valid. This is the 5th time I have disputed this since XX/XX/2018. It needs to be resolved ASAP before legal action is taken.
I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information
My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with   XXXX   XXXX    and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter    XXXX    and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact   XXXX   XXXX   and make payments but was told I could n't have access to the account due to the Chapter  XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second   XXXX   XXXX   and a  XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal.
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In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in  XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place.
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I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband.
I was a victim of predatory lending through XXXX XXXX ( now Navient ). I was given XXXX loans at 12.8 %, 10.25 %, and 10 % and at the age of XXXX and just recently graduated from college at XXXX. During this time I have accrued so much debt through student loans that I now owe {$170000.00}. I am unable to make my monthly payments and my federal loans have not even been added to my monthly payments yet. The company has not been willing to work with me to adjust my interest rates and have only offered to lower my month payments thus making me owe more in the long run. These interest rates are not what the next generation of students are being offer and have resulted in me being inundated with so much debt that I am unable to start a life after college. These companies need to be working with their older students who have been stunted by a very flawed system.
Dear Whom it may concern, I have a medical collection account on my credit reports including Trans-union, XXXX  and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit  reporting agency 's.
XXXX XXXX knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with XXXX XXXX and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a XXXX XXXX chooses to arbitrarily punish its customers. This was abusive and wrong.
My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.
XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed.
I have constantly disputed to Experian the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent XXXX a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
mailed check on XXXX/XXXX/XXXX for {$3300.00}. was rcvd on XXXX/XXXX/XXXX. posted on XXXX/XXXX/XXXX. Ocwen split payment - {$2300.00} to Principal, {$590.00} - Interest and {$430.00} to Escrow. then Ocwen says it was n't a full payment & marked it delinquent. on XXXX/XXXX/XXXX Ocwen sends stmnt for XX/XX/XXXX, stating Amt Due is {$1000.00} ; which is {$2300.00} less than normal. is it a coincidence that it is as short almost as much as the amount Ocwen split off my prior mos pymt and put to Principal? I think NOT. I called Ocwen to find out and the lady I spoke to kept on about how I needed to send {$5.00}. send it tonight. then Ocwen marks it as incomplete and 2 mos delinquent. on XX/XX/XXXX placed the {$1000.00} into Suspended funds. on XX/XX/XXXX they canceled the transaction on XX/XX/XXXX that placed the {$1000.00} in suspended funds and placed the {$1000.00} into Suspended funds! [ no idea ]. removed the {$2300.00} from Principal and sent to suspended funds. then when the {$5.00} arrived it made a full pymt and Ocwen used it to pay my XX/XX/XXXX payment. they pocketed the {$590.00} and {$430.00} that they said paid Interest and Escrow from my original payment they rcvd on XXXX/XXXX/XXXX. then on XXXX/XXXX/XXXX they canceled the XX/XX/XXXX transaction that canceled the XX/XX/XXXX ttransaction that replaced the XX/XX/XXXX transaction, but this time Ocwen shorted the full pymt, I had made for XX/XX/XXXX, by XXXX penny from the amount normally allocated to Escrow and sent that penny as an escrow payment on that same day [ no idea ]. then on XXXX/XXXX/XXXX Ocwen cancelled the XX/XX/XXXX transaction that cancelled the XX/XX/XXXX and XX/XX/XXXX transactions that replace the XX/XX/XXXX transaction almost a year later only to put it in again on XXXX/XXXX/XXXX the same way it was entered on XX/XX/XXXX [ no idea ]
I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX  from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX  by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX   of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX  in funds, I don't have access to my own money. Ally bank is holding my money XXXX.
Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.
Capital one is reporting me negatively to the credit bureaus as being 30 days late back in XXXX 2010 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX, it will be corrected they still continuing to report it negatively. despite that it 's not being reported to XXXX and XXXX with a late remark.
The first time the incident occurred I contacted the company, XXXX XXXX 's credit protection company via email at XXXX for assistance with my Account XXXX XXXX XXXX. As I'd signed up for the insurance protection on my account and had used the benefits previously, the most recent time of need I was denied. The company stated that I did not qualify to use the benefits once I was laid off from my job due to the fact that I worked for a temporary agency. I called and spoke with someone via phone and asked for clarification of my denial because I've worked for the temp agency for over 2 years and also when I signed up for the credit card, plus enrolled in the protection plan at the time my card was approved and opened, I was working for a temporary agency and it wasn't a problem then. I was making my payments on time and now that I needed to use the protection plan I was being denied. Upon searching for more information I found an old benefit request which was granted approved back in XX/XX/2016, I was working for a different temp agency, so why now am I being denied? If you can't work for a temp agency and utilize the benefits you're paying for that should be disclosed before offering and accepting monthly payments or enrollment for this service. If that was the case, then why did they approve my application for benefit usage during another time as a temp agency worker? The problem is that XXXX is reporting negative information to the 3 bureaus for the 2 accounts I'd had with them and they closed ( XXXX XXXX & XXXX XXXX & XXXX credit cards ). I've disputed both accounts and I've sent in written  explanation via USPS to all 3 bureaus yet they all came back as verified and updated within 1 week. How can an investigation be done that fast and proven ( as they say ) that my account was verified? Not fair and I am unsuccessful as trying to get this problem resolved, please help.
I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop.
I was never late with on any payments with Capital One, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.
Experian is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Experian in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Experian, I certified that XXXX had not responded to me within the required 30 days. Experian then ignored this documentary evidence and used the same false reporting from XXXX to " verify '' the false information in their XXXX/XXXX/XXXX report update. Experian failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Experian on the matter, the Experian staff member confirmed that Experian is using an electronic " update '' from XXXX as verification. I believe this is a violation of the FCRA because the " update '' from XXXX does not contain any documentary evidence that Experian has or can provide to me, but they are using that rather than my submission of documented evidence to them.