WillisBack/dataset-financial-user-claim huggingface dataset:
My student servicer was the Pennsylvania Higher Education Assistance Agency ( FedLoan Servicing ). I paid off the balance of my student loans XX/XX/2016. Prior to my final payment, I was able to view my payment history and accrued interest on the FedLoan Servicing website. However, after my final payment was processed, my online access to this information was removed, and I was provided the following message, " We 're sorry - the feature you requested is not applicable to your account. '' I was not informed by FedLoan Servicing that this information would no longer be available. 
I recently started my 2016 taxes, and I noticed that the student loan interest received by lender reported on my XXXX form appears dramatically lower than I would have estimated. Since I no longer have online access to my payment history and accrued interest, I can not verify the amount on my XXXX form. I called FedLoan Servicing, and the representative stated that he was unaware that this information was removed following final payment. I requested a copy of my full payment history and accrued interest, and the representative informed me that this information will be emailed to me, but it may take up to 30 days to process the request.
I filed a billing dispute with American Express for XXXX fraudulent charges on my American Express Charge cards. The dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX, the second dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX. XXXX committed fraud against me for over {$12000.00}. I submitted documentation and evidence that XXXX had committed Fraud, and breached the contract that I had entered into with them. XXXX had failed to deliver on the products promised. American Express failed to give me reasoning as to why they would not dispute the charges with XXXX
Navient conducted a financial statement to measure whether or not I would be eligible for greater payments at this time. At the end of the statement the woman said, 'it looks as if you have - {$400.00} each month, so how would you like to pay? ', after clearly stating I wo n't even be able to afford groceries this month. The calls from Navient NEVER stop, whether I set up payments for a future date or not. They frequently harass my consigner and I with rude comments, telling my father I said things I have n't and vice versa. One afternoon, they called my father at work ( after I had already set up a future payment ), demanding he pay immediately and he kindly said 'No, I need to talk to my daughter first to see where she stands ' and the woman replied 'so you are refusing to pay? ', he said 'no, never refusing to pay, I just need to see where my daughter stands financially first '. She went back and forth with my dad until the conversation was unbruptly ended by my dad who said she was one of the rudest, most demanding woman he had ever been in contact with. She immediately called me after their call ended stating that my consigner refused to pay and that I must submit a payment immediately to avoid default. I scheduled a second payment because we were threatened with default, which I had to take a cash advance off of my credit card because I did n't have anymore money to give them.
On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.
I have recently changed my name and there has been some issues with a mortgage loan provider being able to access my full credit history. 

The have asked me to contact the credit bureaus and give them updated information, I am able to call XXXX and XXXX to get the information required to update my information. However Experian does not have any way for me to contact them. 

I have tried calling their multiple phone lines and none of them will connect you to a real person who can assist with my issue. 

Essentially they have cut themselves off from the world and I need this resolved ASAP. 

Thank You.
I placed an order via Paypay and I never received the order. This order was back in XXXX XXXX 2017. I made a complaint with paypal and they did not help me with my situation. The individual who took money from me never gave me a refund.
XXXX XXXX has frozen all of my accounts and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX, however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XXXX since I received a raise in XXXX, which means reported income in XXXX will be higher than the income stated on my XXXX tax return?
I opened a Bank of the West checking account online because the Company offered a {$150.00} bonus for any new checking account customer. The online banner never mentioned a code that needed to be entered with the application. Once I clicked on the link, it took my information and told me I had successfully opened a new checking account. 
The account was opened in XX/XX/2018. 
I initiated direct deposits from my employer to my new BofW checking account. I also completed the ten ( 10 ) qualifying debit purchases before XX/XX/2018, as required by the online marketing materials. I also called the Bank before XX/XX/2018 to ensure that I had met all the requirements. I was assured multiple times that I had met my end of the bargain. I was told to sit tight and wait for my {$150.00} bonus to get processed. 
I called the Bank in late XX/XX/2018. 
I was told that my {$150.00} bonus would likely be paid on or around XX/XX/2018. 
Once that date passed, I continued to call and they explained that they were undergoing delays with this marketing campaign. 
In XX/XX/2018, I was told that my {$150.00} bonus would likely be paid by XX/XX/2018. That day passed, and they told me that any further inquiries would need to be handled directly by the XXXX XXXX, CA branch. 
I have never been to the XXXX XXXX, CA branch. I live two ( 2 ) cities over and apparently was assigned to this branch, though I had opened my account online. Had I been given the option, I would have selected a branch closer to my work, where I do most of my banking. 
In midXX/XX/XXXX, I was told that XXXX at XXXX XXXX said that my online application never included a promotional code and as such I was not eligible for my {$150.00} bonus. She told me that only the Bank of the West XXXX XXXX XXXX XXXX could waive that requirement. 
I called the XXXX XXXX XXXX and I spoke with someone at Bank of the West who indicated that the XXXX XXXX XXXX did not want to speak with me. They sent me back to XXXX XXXX, CA and stated that the branch had to decide whether or not to waive the online promotional code violation. 
It's now almost XX/XX/2018 and I keep getting the runaround. 
I last spoke with XXXX at the XXXX XXXX, CA branch and she told me that because I had complained, she could no longer address my concern. 
What is a U.S. consumer to do when a bank like " Bank of the West '' doesn't honor it's own marketing materials for opening a new online checking account? 
Please advise.
Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.
XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
Good day, I am writing this complaint, because while in the loan modification process. I have been advised that a sale date is still being scheduled on my property. I have been cooperating with the bank and going backa nd forth in submitting documents for a fair review to lower my monthly mortgage payement. Please help me out as I do n't want my property to go on sale. This is my home and my childrens home.
defamation of character. 
regions said my XXXX  shows a late clearly from XXXX  paid on time never late
I submitted the proper paperwork to Transunion to remove the fraudulent accounts from my credit report and Transunion did not remove them.
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, XXXX and experian } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
A credit card was open under my name that I never opened in XX/XX/2013. I've tried countless times to contest this account. The account currently showing closed with the payment status of being charged off. I've submitted notarized police reports for the fraudulent charges on my credit accounts. It is currently on my XXXX  & XXXX report. It was on my XXXX report but was removed once I disputed it. I would like to have it removed as soon as possible from the other reports.
i contacted equifax in regards to a inaccurate bankruptcy on my report, equifax said the account was verified, so i contacted the courthouse and county clerk sent back document saying they dont verify public records with the credit reporting agencies, so i sent this document to equifax and they basically verified it again, they lied they didnt verify anything, i want this deleted right away.
I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . 

I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. 

I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.
I had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.
My credit limit with USAA has be {$14000.00} until XXXX XXXX, XXXX .... My credit limit was reduced to {$500.00} on XXXX XXXX, XXXX ... They claim it was combination of usage and credit report. I have a XXXX score with XXXX and XXXX with XXXX. I monitor my credit report monthly with subscriptions with XXXX and XXXX .... I have never been late or made minimal payments .... I pay of balances quickly ... .. I do use the USAA credit card. I had a {$3100.00} balance in XXXX XXXX that I paid off before XXXX. Made {$150.00} purchase in XXXX XXXX and paid it off in XXXX XXXX ... .. Its a military exclusive membership only bank ( USAA ). I was drafted in the XXXX 's processed for service and then cancelled because of military pulling out of XXXX. My son served in the XXXX. I believe that USAA is trying to get me to cancel my membership by lowering my limit from {$14.00}, XXXX to {$500.00}. I spoke to several people with USAA that could not explain with any detail. I believe this is a bias racial action by a staff member of USAA. I have an excellent credit history own XXXX homes and a rental and have a personal yearly income of over $ {$83000.00} ... I spoke to XXXX ( USAA ID # XXXX ) this morning an executive personal member for USAA ... I believe this was a racial action.
The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.
I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.
I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX
During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.
I am one payment behind as a result of my wife losing her job. I explained this and submitted a request to have the single payment added back on to the end of the loan for two reasons : 1. I can re-enable auto-payments so that I wo n't miss or be late on any payments moving forward. 2. I 'll stop being charged $ XXXX/mo in late fees. The bank offered to let me pay the additional payment over 2 months, which was essentially a denial of the request, since I ca n't do that. I 've just had another late payment, because I was travelling for work without consistent access to the internet, and I could n't schedule the payment to be made. If I had been able to set up auto-pay, the payment would have been made on time, but the bank is essentially preventing me from doing so. This is remarkably frustrating, since it is impacting my credit. I also asked the bank to stop calling, and they continue to do so multiple times per day, even after I explained the situation and requested help. Thank you for reviewing the situation.