WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently in school working on my XXXX. I received a call back in mid-XX/XX/XXXX from my private student loan provider, Navient, stating that I would need to start paying on my student loans at the beginning of XX/XX/XXXX. I informed them that I was currently enrolled full-time in school and they said that I no longer qualified for in-school forbearance because my loans dated back 48 months. This came as a complete surprise to me because I was never informed that my in-school forbearance only lasted 48 months. Furthermore, I didn't remember signing anything stating this. I then asked Navient to send me a copy of all of the promissory notes that I signed for each loan. When I received the promissory notes a few weeks later, I read through each one of them and nowhere does it state that in-school forbearance ends after 48 months. In the meantime, I did some investigating online and found that other people have had similar issues with Navient. So, after I received a bill for {$430.00}, I called Navient on XX/XX/XXXX to talk about the issue. The person on the phone told me the same thing as before, that my loans were due because that had reached the 48-month time-frame. I then told them that I had gone through the promissory notes and that nowhere did it state that. The gentleman then told me that they had the right to add/change things and that my promissory notes where obviously missing the part about the 48 months. He told me to look at section 'E ' and his section 'E ' was different from mine. The promissory notes that I have came directly from Navient, all of my personal information is listed as well as all of their clauses and terms except for this supposed 'no in-school forbearance after 48 months '. I don't see how ethically or legally a company can add to a contract years after it was agreed to and signed. When I have been out of school, I have never missed a payment and many months I paid extra. I decided to go back to school later in life to better myself. I make {$22000.00} a year which after taxes, barely covers my bills. Navient never offered me any other options to resolve the situation other than pay the {$430.00}. Furthermore, they are trying to change the terms of our agreement after the fact. The bill is due on XX/XX/XXXX and I would like to resolve this issue.
Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.
It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.
In the wake of the Equifax breach I attempted to get my Equifax credit report and freeze my credit on Equifax. In both cases I received a time-out error message from the Equifax website. I tried the process on 3 different browsers to no success. I understand Equifax 's systems are under duress during this time but it is unacceptable that I can not protect myself due to their incompetence. Furthermore, the fact that they had to be pressured to waive their fee for credit freezes adds insult to injury
In XX/XX/XXXX I believe Navient violated the terms of my loan payment by putting my account into forbearance without meeting any of the terms to go into forbearance. I am not in school, have not been delinquent, and did not request this in any way. They then capitalized that interest in XX/XX/XXXX. 

All of this was done without ever contacting me or sending me any sort of notice. When I called about the issue I was told that there was an accounting glitch and that someone would look into the issue, but the result was no changes. 

I have also been subject to a " payment holiday '' for overpayment in XX/XX/XXXX, which I did n't previously know about until I was able to get documentation from Navient showing my payment schedule.
I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.
Hello - I write this in the hopes it helps others. 
We have had several CD 's with Ally Bank dating back to XXXX, totaling approximately $ XXXX. Recently, we asked Ally to deposit $ XXXX out of maturing CDs into our XXXX XXXX XXXX account. These funds are needed for our beginning retirement XXXX XXXX, XXXX, so the funds are important to us. Today was the first day a deposit would be received. Much to our surprise, instead of depositing {$7400.00} into our XXXX checking account, they withdrew {$7400.00} from our checking account ( without authorization I might add ), overdrawing our account by {$5900.00}! I am appalled and shocked such a mistake would take place. 
In calling Ally Bank today, they acknowledged the mistake, but clearly did not understand nor have a sense of urgency to fix it. This is no small error. The representative on the phone stated they could wire the funds back to the account, but we would be charged a wire fee of {$20.00}, and need to set up a wire transfer in our own account. Really? They make the mistake, overdraw our account thousands of dollars, and we pay a fee and have to go through a laborious process to get our own money back?? 
Let me get this straight. I was originally supposed to be deposited {$7400.00}, now I am out a total of {$14000.00} as funds were inadvertently debited in error. 
At the time of this writing, I am still speaking to a supervisor. I 've been on and off hold XXXX to 12 times as we research, change profiles, update profiles, research some more, try to figure out how to wire ... XXXX Now I am being told the transaction is " in limbo ''. After two hours of being on the phone, I have had to set up a wire transfer myself, and told " we will waive the {$20.00} fee due to the error ''. Apparently, this XXXX dollar company does n't have a clearing account to swiftly right a wrong. The onus is on the consumer. 
At the end of the day, the measly amount we get for interest is n't worth the stress and angst this has caused us. We are through with Ally Bank.
On XX/XX/2018, I received the response from LexisNexis in regards to my complaint that was filed with the CFPB on XX/XX/2018. My complaint was how XX/XX/XXXX verified information that appeared on my credit report through LexisNexis. The information was of a Bankruptcy with docket number XXXX. In their response, LexisNexis stated that they verified all of the information about this case docket via a third party database known asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was done in violation of the Fair Credit Reporting Act. The Fair Credit Reporting Act clearly states that any information contained in a credit file, to include XXXX XXXX, must be verified through the original furnisher. The XX/XX/XXXX system, while maintained by the Federal Government, is still classified as a third party furnisher under the Fair Credit Reporting Act. This was affirmed by XXXX XXXX XXXX XXXX XXXX BANK, NA. The original furnisher would and must be the Court where the legal action was filed. In their response, LexisNexis also stated they matched the last four digits of my social security number and my year of birth from information provided to them byXX/XX/XXXXhis is insufficient given that all information contained in a credit report is to be one hundred percent accurate and one hundred percent verifiable. Based upon the response from LexisNexis, the information was not verified to be one hundred percent accurate, it was merely based upon a preponderance of the evidence. This does not meet the burden of one hundred percent accuracy. LexisNexis has also shown in the past they believe they are not considered a Credit Reporting Agency but according to the Fair Credit Reporting Act definitions they clearly are. They broker information that is used to determine creditworthiness for profit. Therefore LexisNexis must comply with laws as set forth under the Fair Credit Reporting Act. I am attaching a copy of the response from LexisNexis and a response received from the Clerk of Court.
Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
I am contesting that XXXX SYNCB is not my account. It has been openedwithout my consent.
Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the client 's right to counsel. We were advised the response to our requests would be provided on X/XX/2017 - this does not allow us to complete our audit of the response to assist our client. An Arbitration complaint has been filed against the foreclosure action and a Lis Pendens will be recorded referencing the same. We request a postponement of the sale date to allow us the time we need to assist our client.
I submitted an initial complaint accusing EverBank Mortgage of committing predatory lending in XX/XX/XXXX on a second mortgage or home equity line of credit ( HELOC ) and of committing fraud on their current handling of the loan. EverBank responded to my complaints. XXXX continue to take issue with their responses to the following : * In my complaint I state that the EverBank Home Equity Line of Credit ( HELOC ) or second mortgage should have been dismissed in my Home Affordable Modification Plan XXXX HAMP XXXX. EverBank responded by saying that it should NOT have been dismissed in my HAMP because it was not a part of the first lien on my home ( see pg. XXXX paragraph XXXX ). However, according to the Making Home Affordable website, " If your first mortgage was modified under the Home Affordable Modification ProgramSM ( HAMP ( R ) ) and you have a second mortgage on the same property, you may be eligible for a modification or principal elimination on your second mortgage through XXXX '' ( https : XXXX ) *I also stated that since the Everbank loan should have been included in my HAMP, the loan should be dismissed. EverBank stated that they can not dismiss the loan because it was not able to be included in the HAMP and because of the repayment plan agreement I am responsible for HELOC debt. ( see pg. XXXX paragraph XXXX ) * In my complaint I indicated that EverBank is reporting to the credit bureaus that the HELOC is charged off and closed even though we set up a repayment plan on the same account under the same account number in XX/XX/XXXX EverBank cites the repayment plan in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank continues to report this account as charged off and closed to the credit bureaus without reporting that we agreed to a settlement on the account for a lesser amount under the same account number. EverBank attests to this in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank is not reporting the monthly payments that I am making on this account and that that they will NOT report my monthly payments to the credit bureaus. They will only report when I have paid the total balance of the modified repayment arrangement in full ( see pg. XXXX paragraph XXXX ). 
*In my complaint I also stated that EverBank was not providing monthly statements for payments that I am making on the account. EverBank stated in their response that they are not able to provide me with monthly statements as the account is no longer an active account ( see pg. XXXX paragraph XXXX ). 
This takes me back to my initial complaint. EverBank admits to reporting to the credit bureaus that the account is charged off and closed. EverBank admits to not reporting my monthly payments on this account to the credit bureaus. EverBank admits to not providing me with monthly statements and that they are not going to provide statements. EverBank admits that they consider this account to be not active, but they want me to make monthly payments.
On XX/XX/2014 at XXXX am my home was XXXX way destroyed in a house fire. Over the past XXXX years I have worked XXXX US Bank Home Mortgage XXXX my mortgage company ). I had to submit over 4 times a " XXXX request '' to remove the builder off all checks, corresponds and they still continued to send him checks. I hired a scam contractor, US Bank Home Mortgage protects the builder before their own customers, even if they are dishonest. I have endlessly called them to discuss many issues with my rebuilder since the builder is NOT going to complete my home. No one calls me back. They say they will, but they do n't. My builder was able to deposit XXXX - a depreciation check, in his account even without his name on the check at local US Bank location in XXXX Missouri and I ca n't as homeowner, get the proper endorsement to complete my home. US Bank Home Mortgage could n't have been more disappointing during this difficult time. The supplemental check I still have in hand will help me finish my home. US Bank Home Mortgage knows this, still has n't helped me to endorse, making it extremely difficult. Even after faxing and emailing several XXXX party revoke letters ... they sent checks to him and they even called him regarding this supplement check. He is a scam artist. He 's very good at it too! Unbelievable! 
What has boggled my mind is that XXXX WILL NOT show the depreciation check of XXXX as part of the payments the ( scam ) builder has received. Please help with US Bank Home Mortgage because they certainly do n't believe in working with their own customers ( for over 15 years I 've been a faithful customer ). Thank you! XXXX.
My daughter and me went to XXXX to go to the XXXX. I have a credit card with Chase bank with a credit limit of {$20000.00}. Plenty of available credit for the task. When we got there we tried to buy tickets at auction online. We had several good opportunities to buy tickets at a good price but my credit card kept declining. After a number of attempts I finally called Chase and they said they declined the purchases because of " fraud ''. There was no fraud. I have always paid my bills on time. As a result of this egregious violation of the implied customer contract we lost several purchase opportunities and ended up paying over {$1000.00} more for tickets than we would have if Chase honored their promise to me their customer. God help me if I were to refuse to pay them for no reason. They should be fined for this blatant dishonoring of the promised service they sell to customers. Given the usurious interest rates they charge one would think fraud prevention would be their problem to solve and not burdened on the backs of unsuspecting customers. Their behavior is criminally abusive
On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed. 

I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX. 

I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities. 

In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.
I wrote letters to XXXX, XXXX, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been incarcerated for 10 of the past 15 years of my life and have had my identity used while being XXXX
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX  on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX  did not provide the promised instruction or service. 
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. 
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. 
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.
I had closed my account with XXXX due to purchasing a home and moving addresses. XXXX stated over the phone that there was no balance to be paid and my account was in good standing. XXXX then opened up a new account unbeknownst to me, never sent me a bill and closed the account a few month later. According to the debt collection agency who purchased the fake debt, XXXX sent me a letter in XX/XX/XXXX to the old address that I had not lived at for months.
I have two credit cards with Capital One. I added several contractors who work with my family real estate business to pay for repairs as needed. I never gave them the cards, I was if I need them to pay for repairs on site. Capital One restricted my account and ask for the employee ids and social security cards. I did what Capital one requested but never received an answer, so I paid off my account, request them to release my rewards and request they close my account. It has been several months since they restricted my account. I can't use my rewards nor my cards without any explanations of the cause. Even after paying off the account they haven't released my reward, credit balance nor close my account as requested for several weeks.