WillisBack/dataset-financial-user-claim huggingface dataset:
I had made calls in 2007 regarding the Public Service Loan Forgiveness program. I am a XXXX   with the XXXX XXXX XXXX  XXXX and have been working there for 18 years. I have dealt with Sallie Mae, Navient, XXXX XXXX and XXXX throughout the years. I was assured that I was in the right repayment program and that I did not need to complete or collect any paperwork until I reached my 120th payment mark. When I applied for forgivess after 120 payments, I was told that I had no qualifying payments. I had been given incorrect information by the different services throughout the years. I have been reading that many others have experienced this as well. Do I have any recourse?
On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.
There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.
Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.
XXXX slandered when they said they accepted my XXXX plan and then later gave me a terrible experience in the hospital that i had to forcebly despute thru XXXX as they the best they could to appeal and bring it to the hopital to accept
I was put in collection around XX/XX/2017, by XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please see attached proof from the lawyers and court.
I had a Wells Fargo VISA credit card for several years. In XX/XX/XXXX, I was unexpectedly laid off. My girlfriend at the time had developed XXXX and was unable to work.So without my job we were unable to pay the rent and were evicted. The Wells Fargo credit card was close to the {$600.00} credit limit, but I was continuing to make the minimum payment or a little more each month. In XXXX my credit card was suddenly almost {$100.00} over the credit limit. When I reviewed the charges online, I saw that Wells Fargo had approved {$100.00} for XXXX renewal. I immediately called Wells Fargo Credit Card Customer Service and asked that the charge be reversed, since they had authorized it despite the fact that it would put me over my credit limit. I spoke with several people, including " supervisors '' who told me that because I had an " ongoing relationship '' with XXXX they were justified in approving the charge and they refused to reverse it. When I was unable to pay the minimum {$120.00} the next month because I was still unemployed, Wells Fargo began to add late fees, overlimit fees and penalties to the amount owed, making it impossible for me to get caught up on the charges. Had the XXXX charge been reversed, I would still have had enough to continue making the minimum payments during those months. At some point the credit card was closed and put into collections. When I finally got a job in XX/XX/XXXX, I contacted Wells Fargo Credit Card Customer Service again to set up a repayment plan. I was assured by the agent that once I had paid off the amount owed ( about {$1000.00} by then ) the card would be re-opened. However, once the amount owed was paid the card was not re-opened. I was told that because of my prior poor payment history I did not qualify for a Wells Fargo credit card. 
When the CFPB reports of the illegal actions by Wells Fargo employees were reported a few months ago I called a special phone number Wells Fargo had to report suspected actions by its employees. I called and related the above and asked that my credit card be re-opened. I was told that my issue was not related to the CFPB reports because no account had been opened in my name. Therefore, I am filing this complaint with CFPB. Perhaps there is much more to investigate at Wells Fargo?
TransUnion Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$420.00} This ACCT. is charged off. Error please delete inaccurate. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$0.00}. This ACCT. was transferred. Error please delete inaccurate.
I am the court appointed guardian for my mother,  XXXX   XXXX . She is elderly and suffers from  XXXX   XXXX . It is not possible to communicate with her. She maintained a checking account, retirement savings accounts and a credit card at PNC Bank  ( or one of  its predecessors in  XXXX , Illinois ) for many years. It took several attempts to get ahold of the rig ht PNC point of contact but the guardianship was finally established for the checking and retirement ac counts. I make all of mom 's financial decisions and I pay her bills from the checking account. I mistakenly assumed that the guardianship had been added to the credit card.     Mom resides in  a   XXXX   XXXX   ap proximatel y   1,000 miles fro m where I live. My sister lives near our mother and has physical possession of the card. She uses the credit card occasionally to purchase clothing, personal care products, etc. for our mother. I receive the bill for the credit card at my home address and pay the balance due from mom 's checking account. Overall, the arrangement had been working very well.     On  XXXX   XXXX ,  2017  I contacted the  XXXX  number for the credit card and tried to obtain more information about the reward poin ts ( 40,000 + )  mom had accumulated over the years. I would like to use the points for clothing and other items for her. I also wanted to " link '' the card to the PNC website which I regularly use for the checking and retirement savings accounts. I was informed by  XXXX   XXXX  that she could not provide me with any information about the account and I should contact a branch office.     On  XXXX   XXXX ,  2017  I met with  XXXX   XXXX  at the   XXXX   XXXX   XXXX   XXXX   in  XXXX  D.C.  XXXX  seemed to understand the situation and faxed the court documents to the credit card department. She said to allow up to  one  week for the guardianship to be added to the account and then I could attempt to link the card to my online banking as well as obtain rewards information. Two days later I received letters that the credit card was closed in order to " protect the cardholder. '' I took copies of the letters back to   XXXX   XXXX   office on  XXXX   XXXX ,  2017  and asked  XXXX  to contact the credit card department for clarification. She contacted me later in the day and informed me that the credit card department 's decision was unchanged.  XXXX  informed me that I could directly contact  XXXX   XXXX  at customer service. I told  XXXX  that contacting the  XXXX  number at  PNC  and explaining the guardianship situation has NEVER worked for any of the accounts involved here. I have always had to go into a branch office with my identification, copies of the court document, copies of the correspondence or transaction that was in question, etc. and together the branch employee and I could call the other PNC office. I asked  XXXX  to let me know when I could come into her office and together we could call the credit card department but I have heard nothing since.
On XXXX/XXXX/2016, I sent Capital One a letter with a copy of my disputes to XXXX, XXXX, and XXXX for the derogatory Capital One account # XXXX XXXX XXXX XXXX ( see Capital One Letter ). I included a copy of the judgment in my favor against Capital One for that account. Also included was a request that Capital One correct the false and fraudulent IRS form XXXX that it filed for debt I am not personally liable for. 

On XXXX XXXX, 2016 Capital One sent me response letter requesting several documents and stating that it would respond in 30 days once I sent those documents ( See Capital One Response ). Oddly, Capital One seemed to be unaware that it sued me on this account and lost. Although I had previously included all of the items requested by Capital One in my correspondence, I again sent everything they requested in my letter dated XXXX/XXXX/2016 ( see Capital One Followup ). As of the filing of this complaint I have received no further response from Capital One. 

It has cost me considerable time and expense to repeatedly contact Capital One, XXXX, XXXX, and XXXX to correct the inaccurate information. Although XXXX has removed the inaccurate information, it is still being reported by XXXX and possibly XXXX ( waiting for a full response from XXXX on my CFPB complaint # XXXX filed on XXXX/XXXX/2016 ).
Hi, i applied online on the citi bank site for the citi double cashback card..but citi bank improperly used my credit score and pulled it two times one from CBNA and other citibank na.. i don't understand why two score pulls for just one simple application. ..and would like to dispute both the charges. 


Inquiry CBNA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD Bank - credit card Inquiry CITIBANK NA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CITIBANK NA XXXX XXXX XXXXXXXX XXXX XXXX, SD National Credit Card Cos.
Transunion has taken the debt companies explanation of terms and conditions of a XXXX office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX   review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
I am the seller and the buyers applied with Cornerstone Home Lending, in XXXX. We were scheduled to close on XXXX/XXXX/16. We received n notice buyers were approved subject to final underwriting approval. A couple of days prior to closing the buyers wanted to back out due to fact that they could not run a small day care out of home. Closing papers were drawn on XX/XX/XXXX and I went to closing and signed. On XX/XX/XXXX 5 days after closing Cornerstone issued a statement of denial for income and now we can not get back our earnest. We do n't believe it 's true. Why would lender allow closing papers to be drawn, allow all to think approved when they would have had paystubs, XXXX 's and returns long before closing. I feel they issued the denial letter to help buyers get earnest and because of relationship with realtors who use them on a regular basis. They have not issued a mortgage credit denial on HUD 's website as require for all FHA loans. We spent {$6000.00} on repairs, leased another home, paid movers and now we have XXXX house payment and no money. Lenders should not be allowed to deny a loan after the fact. Not good business and very poor business ethics. XXXX XXXX - XXXXXXXXXXXX
I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account " XXXX XXXX XXXX : Account # XXXX ''. XXXX  then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was " verified correctly '' but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.

There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries. 

*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account " XXXX XXXX XXXX : Account # XXXX '', this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached. 

Thanks.
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX
I wrote to you XX/XX/XXXX. I am getting very vague responses from bank of america. But as I continue to do research, I found lots of fraud items and asking BoA to verify items but not getting what I need. XXXX did the investigation from them. They just keep giving me the same stuff over and over. The Mortgage Note and Allonge Note are robo signed and BoA did not receive any right, title or interest in my Accomodation Mortgage lien as the parties assigning the Accomodations lien failed to preserve a proper chain of title. This is treble damages.
I am filing a compliant against DIVERSIFIED CONSULTANTS INC # XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that DIVERSIFIED CONSULTANTS INC ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate DIVERSIFIED CONSULTANTS INC. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.
So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys
I receive a call from Global Credit And Collection Corp XXXX/XXXX/16. The representative was name XXXX and supervisor was XXXX. Both were abusive and hostile and threatening. This was the first call I received and have no clue as to why I am being contacted. They were both shouting and talking over my questions. I asked to not be called again.
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?