WillisBack/dataset-financial-user-claim huggingface dataset:
On  XX/XX/XXXX  I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by   XXXX   XXXX  . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at  XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From   XX/XX/XXXX   to  XX/XX/XXXX  I never missed a payment. In   XX/XX/XXXX  of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the  XXXX  This was quite startling to me as you can imagine. I have many student loans and those from my  XXXX  education that are serviced by   XXXX   XXXX   XXXX   XXXX   XXXX   have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during   XX/XX/XXXX  &  XX/XX/XXXX   and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to   XXXX   XXXX   XXXX   XXXX   XXXX   in   XX/XX/XXXX      where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern.
Sir/Madam, We are senior citizens owning a home with a mortgage from Santander Bank. We are paying our mortgage installment from our checking account we had with them. We authorized them to take money on XXXX of every month and they are doing so for past 10 or more years.

Of late Santander Bank is using dubious methods to CHEAT ITS CUSTOMERS. For example they charged us XXXX as late fees in paying our XXXX installment. as you know XXXX of XXXX is a Bank holiday and they took out money on XXXX XXXX and it seems it is our fault for the Bank not taking the money out! 
ONE MORE SURPRISE AND DUBIOUS THING. THEY SEND OUR OUR MONTHLY MORTGAGE STATEMENT EVERY MONTH. MY XXXX MORTGAGE IS NOT SHOWING ANY OF THIS DUBIOUS LATE PAYMENT PENALTY. WE COULD ONLY SEE IT WHEN WE WENT TO OUR MORTGAGE HISTORY IN THEIR WEBSITE. 

we want to know and we are requesting Consumer Finance Protection Bureau to launch an inquiry about ... how many more customers are cheated in this way. If they really cheat make them pay a big penalty. 

XXXX XXXX XXXX.
I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PRO COLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX
This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX XXXX. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
First, I have disputed with Equifax for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with Equifax on numerous occasions and they have stated that the items were verified. To that end, I disputed with XXXX XXXX, the third party collection agency that is reporting this inaccuracy as well. XXXX alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what XXXX alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. Equifax has allowed XXXX XXXX to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
I have written a request to Equifax Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.
My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. Credit age with XXXX is 6 yr. 1 mo-XXXX 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -XXXX is 7 %. Hard Inquiries XXXX is 1-XXXX  3. Total accounts XXXX is 33-XXXX is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX is XXXX and XXXX is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
I have a lot of disputes ran by XXXX in XXXX texas. i did credit application with ford motor credit. the application was sent to park cities ford. they went and sent my application to about XXXX banks without my permission. I asked and requested that they not do that. I asked them to evaluate my credit and let me know if I need to come in and work a deal. they submitted a deal with me signing any agreement on purchase price or anything.
I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.
XXXX XXXX XXXX PERKS SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX. PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO XXXX.
My Best Buy credit card ( issued by CITI ) has been used for fraudulent purposes several times. Each time Best Buy/CITI has cancelled the card and started an investigation ( XXXX investigation of XXXX charges, totaling over {$2000.00}, is currently ongoing ). However, I do not think that Best Buy or CITI are adequately protecting my credit information/name/SS # and other identifying information. I think that CFPB should really step in and investigate Best Buy and CITI and their practices in collecting, storing, and protecting people 's identifying information.
My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.
Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations.
Capital One is blocking me from enabling external applications. I am attempting to connect my bank account to XXXX in order to transfer funds for investment in currencies ; However, Capital One is blocking my access to do so. Consequently, I have just lost out on an investment that would have net me {$74000.00} - I am not very happy at the moment! 

Thanks
Hello - Ive been trying to obtain my EFX report via XXXX  and I get an error message that its undeliverable online. Ive attached the error message. This error is also preventing me from setting up my XXXX XXXX account ( when I try to register, I get an error on their end that there is an issue with EFX and to call EFX to fix the issue ). I called EFX customer service and they do not see any issues on their end. Ive been going around in circles. I know EFX can send a hard copy but I want it electronically. Ive attached an image of the error message.
Receivables Performance/XXXX XXXX XXXX Scam, con-artist company that calls my house all day, every day. I am deaf but they continue to call and now there 's a collection on my credit report for a bill that 's not mine. I feel like I 've been taken advantage of. I do not owe XXXX money for services they did not provide. I actually received a letter apologizing for their poor broadband performance but no other effort to rectify the problem or make it right. I had to retake a class that cost me $ $ $ because XXXX 's ISP connection had another outage during the final exam. ( I took the class online ) I moved onto a different ISP because they were not providing services I was paying for, yet they continued to try and bill me for when I was not using their ISP or bundled TV service. They refused to allow XXXX to port my new number and held up the process. They exhibited extremely poor service and failed to follow through with promises on a regular basis. Now these scam artists are calling all hours of the day and while my elementary school aged son is asleep in bed for school. The other collections via XXXX have been removed from my report, but this new one just popped up via XXXX and XXXX. 

XXXX and Receivables Performance are XXXX companies that need to go out of business.
On Tuesday XX/XX/XXXX, around XXXX XXXX, I received a phone call from theIRS, who were apparently NOT the IRS, but scammers. In the ensuing 3 hours, thru a series of {$500.00} XXXX play cards, the scammers had defrauded me to the tune of XXXX. 
When I realized what had happened, I IMMEDIATELY called both XXXXXXXX XXXX ( credit cards ) and Wells Fargo ( checking account and credit card ). XXXX immediately reversed the charges, but Wells Fargo, though they took my report, did not reverse the charges, allowing what were pending transactions that same day to posted transactions the next days. I had notified Wells Fargo 30 minutes after the scam was done. I talked to rep on the phone ( claim # XXXX ) They told me they had frozen the accounts, but in fact, sat on their hands the whole day, tho I had reported it 30 minutes after I realized it was a fraud. 
In contrast, XXXX immediately that day put a stop to the charges. I even went into a local branch of wells fargo and saw the pending status of the charges, tho I had reported it immediately after the fact, hours before. 
My complaint is that Wells Fargo sat on their hands the whole day, allowing the items to post, rather than immediately putting a stop to the charges and contacting XXXX about the fraud. So, in addition to the scam, I have to deal with Wells Fargo putting it into their fraud and complaint dept, rather than dealing with it as soon as I reported it.
On  XXXX   XXXX ,  XXXX , I was contacted by  Wells Fargo Bank, who I hav e my mortgage with about a Payment that I owe. I spoke with "  XXXX  '', he said I had an outstanding payment of {$1600.00}. I did not know what for but I complied and paid {$1200.00} by phone and the difference of {$430.00} would be paid with my next mortgage payment of {$540.00} bringing it to a total of {$970.00} which was paid on  XXXX   XXXX ,  XXXX . I made another payment of {$520.00} on  XXXX   XXXX ,  XXXX  and then another payment of {$1000.00} for  XXXX   XXXX  and  XXXX   XXXX   XXXX  payment.  XXXX  took this payment. On  XXXX   XXXX ,  XXXX , I spoke with a  XXXX  and she says she did change to back the loan to automatic withdrawal as this was how this account was set up from its inception.  XXXX  apparently did not do the automatic withdrawal and again in  XXXX  I receive a call from  XXXX   XXXX   XXXX   XXXX ,  XXXX . He took payment from me over the phone for {$2100.00} and says this was payment for  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX . He told me the next payment would be due  XXXX   XXXX ,  XXXX  and that I have a grace period of 17 days before a late charge would be assessed.   From then I have been going into the bank branch of  Wells Fargo Bank to  pay my mortgage payment twice a month and this same incident has started again and I need some help as they now want to foreclose on my house for {$4200.00} of which I can not get a proper explanation why do I owe this money. and I am still paying my payments in a timely manner. On  XXXX   XXXX ,  XXXX  I spoke with  XXXX  employee #  XXXX , he said he will generate a work order and in the mean time to continue to make payments in the banking center so as to stop the harassing phone calls I have been getting. He did not follow through as the calls continued. I then call again and spoke with  XXXX  ID #  XXXX  on  XXXX   XXXX ,  XXXX  she advise to go in bank and bring as much proof of receipts of payments. I then spoke with  XXXX   XXXX . She will submit account history. I made a payment with her over the phone for {$440.00} confirmation #  XXXX  not sure if this was a partial payment or what. She sent me a payment history but that did not explain anything more to me. In the meantime I continue to pay my mortgage in the banking center. At this time I am exhausted and need some closure to this problem. Please help. Another thing to mention is they changed my ACH, my automatic withdrawal without my authorization.
ON XXXX XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH EQUIFAX FROM XXXX XXXX, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED XXXX  XXXX, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED EQUIFAX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX