WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api
This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank
I utilize XXXX XXXX for monitoring of my credit information. On or around the XXXX of XXXX this year, I checked my report and their were XXXX hard inquires removed from my report. Needless to say when I checked my account again on the XXXX XXXX, 2016 the inquires were placed back onto my account without notifying me by mail or email. After multiple failed attempts to get this matter resolved by Transunion I feel compelled to take this matter a step further. I have been placed on hold for long durations of time only to have the phone hang up. There was also an incident where the representative stated she do n't see where anything was removed and I told her that it was and around the date that it was and she stated well I do n't see it. When asked to speak to a supervisor I was placed on hold for a short duration and then the phone subsequently hung up. Although I know that representatives may have to deal with multiple personalities on a day to day basis, I do not feel they should treat people in this matter.
My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.
ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.
I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.
I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.
I am yet again filing a complaint against Wells Fargo. I had received a packet of letters posted marked XX/XX/XXXX. At the end of the letter Wells Fargo claims that all of my concerns have been fully addressed. They have avoided my requests and have dodged me each time. They are also claiming that it is my responsibility to review my account statements promptly and carefully and to notify them of any errors. I did notify Wells Fargo of the errors all the way back to XXXX of XXXX. I had kept calling and trying to get someone to future assist me. I was avoided and no one would transfer me to a supervisor in any of the departments. I did my best effort to notify Wells Fargo within around a 2-3 week window of time. I did try sooner but was unable to speak with anyone via telephone. Also I do not have a consumer account agreement with Wells Fargo. They know this that is why they have been avoiding me and getting away with mistreating me.
I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments. 

Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.
The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
My first letter to Equifax was on XXXX, This inaccurate information is continuing to damage my credit and inability to obtain credit. 
Equifax is reporting XXXXXXXX XXXX # XXXX, {$3200.00} as a charge off This loan was paid off in XX/XX/XXXX never late. 

They are also reporting an inaccurate address : XXXX XXXX XXXX, XXXX, AL XXXX even though I sent an affidavit of correct information.
A Collection Agency ( XXXX XXXX XXXX ) is reporting a fraudulent collection account on my Equifax , XXXX, and XXXX credit reports.
Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, XXXX.
I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with XXXX XXXX XXXX Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told XXXX XXXX that my loan was transferred to the VA and XXXX paid off, yet XXXX XXXX continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, XXXX refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that XXXX reuses to correct the problems and it continued harm me. 

Finally XXXX XXXX got caught and I received a letter that XXXX now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.
I was affected by the security breach at Equifax and am vet angry. I want credit monitors for my life time and not just one year. Any criminal will wait it out one year and then I am at risk. This is wrong.
I submitted an application for a XXXX XXXX through Synchrony Bank on XX/XX/2018, application reference number : XXXX. I was instructed by Synchrony Bank to wait XXXX business days for a letter in the mail with the results of their decision, it is now XX/XX/2018 I have not received such letter. I have made 3 additional attempts dating XX/XX/2018, XX/XX/2018, and on XX/XX/2018 requesting for this letter to be re-sent with no success. According to the FTC, a consumer must receive an " adverse action '' notice in writing explaining why the credit application was denied based on consumer report. I strongly believe that Synchrony Bank is in NON-COMPLIANCE with FCRA Rules and have failed to provide an adverse action letter.
Every day, multiple calls per day. 
Some robocall, some with person. 
Asking about an estranged relatives debt, not ours. 
We have repeatedly told them not to call. We did not have contact with this person and we were not going to do their job for them. 
They told me they would continue to call anyway.
I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3  cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3   bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.
Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. 

Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Follow the requirements for seller protection. 
Track your shipment XXXX XX/XX/XXXX at XXXX XXXX  PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. 

Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX  Need to contact the buyer? 
Log in to your XXXX account and go to order details. 

XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal
Contacted Credit Card Company ( JP Morgan Chase Visa ) to dispute a charge on XXXX. During the dispute process I provided valid proof of the claim ; Receipts from the new plumber, receipts of the damages caused by the XXXX plumber and video/photo evidence supporting the claim. JP Morgan contacted XX/XX/XXXX and is now requesting a XXXX from a XXXX validating the work performed from the XXXX plumber was inadequate and the services provided were not fulfilled. The response is due by XXXX/XXXX/16. Due to the holidays, this allotted time is not sufficient nor is it considered a reasonable request. This dispute was filed in XX/XX/XXXX with the Credit Card company. I was explained the merchant was given 30 days to respond and dispute the reversal charge. However, the same XXXX days was not given to me considering I received the notice on the XXXX of XX/XX/XXXX and they 're requesting a response by XX/XX/XXXX not taking into consideration the Holidays and business 's closures. Nor should this request be considered necessary. The merchant 's insurance company has accepted full liability and issued a check for the damages caused by the plumber negligence. I can not comprehend the necessity to provide additional information that is outside the scope of the services that were not performed by the plumber nor should I incur additional expenses to pay for another plumbing company to write-up a XXXX Opinion letter. An addition, why should I be responsible to pay for something that was not done correctly resulting in personal damages caused by the business 's negligence. The services were not fulfilled. I had to pay another plumber to come-out and fix the issue caused by the previous plumber. I have provided this evidence to JP Morgan Chase and their stating VISA is not accepting this documents presented as substantial documentation. This is not a logical or reasonable request and undermines the consumer protection laws meant to protect consumers from paying for services that was not fulfilled.
Bank of America refuses to transfer my mother 's IRA to another bank. We decided to move it from BOA because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, BOA failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from BOA. BOA has dragged their heels and refused to transfer the funds despite repeated phone calls. BOA has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for BOA to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and BOA has had these papers since XXXX 2013.
Every time I try to add a new app to my bank account it blocks me saying td bank in blocking you from opening any accounts
Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.