WillisBack/dataset-financial-user-claim huggingface dataset:
I had personal students loans in default and had a parent plus loan that was in good standing. My child was not able to receive all of the parent plus loan because of my loans being in default. When I was notified of this problem I tried consolidating my loans and my parent plus loan to get my loan out of default. I used the provider XXXX because my parent plus loan was already with them. I received a notice via email that my loans were denied. I was under the assumption the loans didn't go through. Come to find out at a later date that only my parent plus loan was consolidated. However I didn't want just my parent plus loan consolidated. It was in good standing. I tried speaking to XXXX and they said they couldn't reverse the loan and that I had to contact Navient. When I contacted them they said it was pass my 10 day mark. But I was not given a letter and or notification. I am highly disappointed. I did not get the serve that I wanted and am force to pay for something that I never agreed upon. Please I need help I want to see what a judge has to say about the matter. What is the process. Please email me back at XXXX Thank you for you attention to this matter.
USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.
On XXXX i closed my Wells Fargo Bank checking account # XXXX, because of their poor customer service and they wanted to start charging me monthly fees. Before i closed it i complaint to their Corporate office about their poor customer service and the new monthly fees. When i closed my account the balance was {$000.00}, that 's why they closed it otherwise if there is a balance the account stays open. After six months when i tried to open a checking account with another Bank i could n't, because they reported me to XXXX that i have a unpaid balance. Still today i ca n't open a checking account with a Bank, because of Wells Fargo. Obviously their claim is Fraudulent and Malicious with purpose of revenge for my complaint. Wells Fargo is a Bank with Criminal record against millions of consumers during the " Real Estate Ponzi Scheme '' of 2008 and before. Since then continue to defraud consumers with new kind of fees and other Gimmicks. I am surprised that CFPB and the Government allow Criminal Banks like Wells Fargo to be in business today. It seems that in America Laws apply for " petty thieves '' not for " XXXX XXXX Criminals ''.
Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.
I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!
I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.
Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX
My original loan was with XXXX about 10 years ago. They sold to Nationstar mortgage. When we were with XXXX we wanted to make bi monthly payments-XXXX said this is free to do and when we were ready to set this up we could do so. It also required paychecks/money to be into account so we were not able to do that at the time. Now that we are able to make bi-monthly payments to reduce our interest and loan term, Nationstar does not allow us to do so. We have no choice but to go to their outside contracted company who will charge us {$390.00} enrollment fee and then charge us a monthly fee for the rest of the loan term just to do a bi-monthly payment. We would have to pay about {$1700.00} extra bc they do n't allow bi-monthly bi weekly payments from their own customers. XXXX our original loan did not charge for this service and there would be no charge to us whenever we would be able to do so. Now that the loan was bought by Nationstar, the same terms do not apply and this is unacceptable.
Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked XXXX XXXX to remove the account they have reporting on my credit report and its been almost 2 months and they have not done anything to fix it. It still says investigation in progress. I would like it removed!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX is reporting lates on my report and I am not responsible for said account. {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX They are reporting an account that does not belong to me on my credit report. I disputed this account and they verified the account with the bureaus and I am unsure how since it do not belong to me. I would like someone to show what they verified this info with.

XXXX XXXX XXXX XXXX XXXX   DE XXXX ( XXXX ) XXXX XXXX is reporting a medical bill that i disputed and showed proof of insurance. They still have not removed it.
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.
Good Day, XXXX XXXX, XXXX I requested that Transunion XXXX XXXX items from credit report. 
The items are for the same amount from the same company from same date. 
XXXX XXXX {$730.00} XXXX/XXXX/XXXX according to report ITEMS APPEAR TWICE!!! 

XXXX XXXX {$730.00} appeared on my credit report for no reason. I have never heard of them and have never recieved any notice from them and I have requested all from them. 
Transunion is aware of this and still will not remove. I am aware of companies doing this type of things due to the fact I was in a horrific car accident when a drunk driver nearly killed me in XXXX, medical bills were placed on my credit reports. In XXXX I was granted a very large settlement and all the medical bills where paid by insurance and removed from credit reports. I assume this a company that looks for people in this postion and hopes they will pay, I WIILL NOT PAY!! Please advise as quickly as possible. 
I have documention of all of the above should you require it.
We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. 
Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.
First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. 
They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
I receive 2-3 robo calls a day from allied international. 
I never gave permission to call me on my cell. 
I do n't know how they got my cell number.
In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. 

On XXXX XXXX, XXXX, I sent a letter to TRS Recovery Services via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.
called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me.
I opened an account with citi called citi gold with the option to earn a promotion of XXXX XXXX miles. I emailed their customer service to verify I met the qualifications of the award and received 2 email stating that I did and when I should expect the award. That day has came and went and still no points.
I made a normal monthly payment to XXXX XXXXXXXX on XX/XX/2019. This payment was not processed as a normal monthly payment. Instead, this payment was applied towards my principal. My next payment is not due until XX/XX/2019. 

I was not informed that this amount would be applied entirely to my principal. Furthermore, the payment breakdown shown on the payment page showed the breakdown of principal, interest, and escrow. I have now been on the phone with Ocwen for over an hour trying to speak to a supervisor. My account is pre-paid and I do not have any outstanding late feed. 

I am pretty certain Ocwen 's payment processing vendor and website are just out-of-step with one another. However, I do not think Ocwen can apply my payment in a manner different than what was displayed during my payment processing. This is a terrible experience. I have had numerous problems with Ocwen. 

I have images which I will send to the person who evaluates this complaint.
During the purchase of our first home, we went with XXXXLoan Depot because they were a preferred lender for our builder. As first time home buyers we put our trust in many people including XXXX to explain the process fully and completely. However, throughout the entirety of getting this mortgage there were many failures, including lack of communication, lack of explanation or even correct explanation. There were many times we had to seek an explanation from another lender and XXXX  ended up being wrong. However, none of that compares to the final straw that is a bona fide violation of CFPB and TILA regulations. 

We received our final CD on XX/XX/XXXXwhich triggered our 3 day wait to close. There was already a glaring error in the amount of our earnest deposit. We were basically told " it 'll be fine. '' The night before we were scheduled to close, as our title company and lender were busy balancing the monies, my title company discovered that our CD had a doc stamp fee of {$1800.00} on the seller 's side when it was supposed to be on the buyer side.

I found out from my realtor and then my lender called. He explained the error and then proceeded to ask me if we had the funds to cover that amount. An amount that was not disclosed to us as our responsibility on the CD.  Our loan officer tried to pass blame to the title company and said that XXXX would not cover the whole amount. 

On the morning of closing, this issue was still not resolved. Allegedly, the response from XXXX XXXX corporate office was that they would not do a cure credit. At all. Our closing was 6 hours long because my lender and title company spent half of a day arguing over whose fault this was. XXXX then proceeded to " fix '' this issue by sending a new CD wherein they reduced our seller credit by the amount of the error. Thereby covering up their failure to disclose. XXXX refused to rectify their error and my realtor and title company tried all day to get XXXX to realize the CD was wrong and we, the buyer, was not going to pay for this incredibly significant error. XXXX and its representatives were absolutely unprofessional and pretended to make everything ok with a lender credit of {$770.00}. Everything was far from OK. 

In order to close on our house, we did end up having to pay the {$1800.00} and were told we had to sign the CD the lender created that day that improperly tried to cover up their error. Which we did so in protest in order to get the keys to our home. 

XXXX/Loan Depot needs to be held accountable for violating the laws put in place to protect consumers like us. This is simply not ok.
XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming
I was astonished when I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
XXXX : Original Loan Amount : {$6600.00} Loan Date : XX/XX/XXXX IntRate:4.25 144 Payments of XXXX Never payed late and always paid more than payment due. 


Received new payment schedule for : 83Payments {$45.00} Start XX/XX/XXXX Which is another 7 years. 

This loan should be ending in XX/XX/XXXX