WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan that I took out to go to school in 2002 with XXXX. I was XXXX and my parents did n't think it was a bad decision at the time and I was still a kid. School ended up not being for me and I was stuck with the Loan from XXXX. The interest rate was always terrible in fact its still at 13 %. Its been in deferment or forbearance a bunch of times since then but for the most part I have paid it every month with no sign of the total lowering in all of these years. Thats 15 years of the total never going down with all of the payments I 've made. As I 've gotten older its been a real burden to become financially secure because of this loan. They refuse to help except with these 6 month deals to lower my payments in half but the payments go from {$450.00} to {$250.00} and still do n't really help me because the payments just go towards the interest. They never really want to help me or figure out what the best option is for me. All they care about is making sure I make these high payments with no end in sight. I really need help having this big mistake I made at XXXX forgiven. Please help me.
To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   XXXX .   XXXX    XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX    Telephone Companies    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX    All
Banks    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Telephone Companies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   General Clothing Stores   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.  XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    Miscellaneous Reptg. Agencies    XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc  sec #  XXXX  DOB  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXXt where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from  XXXX XXXX ) and had promised to make the ( 3 )  reporting bureaus aware On SXX/XX/XXXX I reviewed my credit files accessed from Trans Union ; XXXX and XXXX ( see attached copy of XXXX and Trans Union credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
On XX/XX/18, I used XXXX  XXXX XXXX XXXX to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called XXXX  XXXX XXXX and reported the issue. I was told by XXXX  XXXX XXXX if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with XXXX  XXXX XXXX. I tried reaching out to XXXX and they told me to call XXXX  XXXX XXXX. XXXX  XXXX XXXX reports that they reached out to Trustmark National Bank where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient.
On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.
I have never been late on any payments and I have also disputed with this agency with no return response Huntington National Bank Please help
After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.
As a victim of identity theft, I discovered that there was an American Express Serve account opened in my name. When I informed the American Express Serve that the account was a fraudulent account, they proceeded to send an email to the email address of the identity thief and then the gentleman lied about sending the email. Once an account is flagged as fraud, typically the account information is not used. Per the FTC, under the authority of FCRA 609 ( e ), 15 U.S.C. 1681g ( e ), I am entitled to a copy of any information pertaining to the opening of the account and any account information available. Despite the fact that I 've sent them a police report, an FTC affidavit, and valid identification per the requirements of the FTC, they refuse to work with me on the account information, I 've been hung up on, I found that someone claiming to be a supervisor in their fraud department ( Account Protection Services ) has no fraud training, I 've spent hours on hold with associates that are ill equipped to deal with a fraud case.
I applied wit h BMW for a l ease and loan. My  XXXX  and  XXXX  reports were frozen due to fraud. I have a  XXXX  FiCO on  XXXX . They pulled this score twice  in one day sta ting it was not the score fico or   XXXX   was reporting. Come to find out they were using   XXXX   XXXX   ... then the lender demanded I unfreeze my  XXXX  or I would not be consider at all. This was after I have dr iven 10 hrs a nd mislead that I have already been approved and everything was situated. I was mistreated and feel as I was discriminated against in regards to my score being devalued and not honored fete being pulled. The finance  manager treated me like a second class citizen and made clear he had deals he had to do. Furthermore it was said BMW w ould not approve anyone off a  XXXX  score and after speaking to several other dealers this was false.
I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.
For over a year now, I have not been able to obtain a copy of my Equifax credit report. I 've tried ordering it through XXXX but always end up getting an error message saying that my report can not be processed online. I 've tried ordering it directly through the Equifax website but continue to have problems actually getting my credit report. Most recently, on XX/XX/2017, I ordered a copy of my free annual credit report directly through the Equifax website. I received a confirmation email confirming my order and was provided report # XXXX for my report order. The email states that I can access the report online for 30 days. However, the status for the report says " failed '' and when I log onto their website to access my report, there are no reports available on my online account to view. I had received a letter from Equifax last month asking me to provide them with proof of my identity and current mailing address. I provided them with all of the requested information, but never heard anything back from them since. I have n't had any problems obtaining my credit reports from XXXX or XXXX, it 's only Equifax that I continue having problems with on getting a copy of my credit report.
At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits.
Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.
Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent XXXX payoff statements at {$25.00} each that were all incorrect. SLS then demanded that I provide {$4800.00} with our payoff amount to cover property tax bill, while there was {$7700.00} in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded {$4800.00} plus {$120.00} for incorrect payoff statements plus a {$140.00} fee for late payment which was incorrect as well. We are seeking a refund in the amount {$5000.00}.
Our mortgage company ( BSI Financial ) has not paid our real estate taxes since XXXX of 2015 out of our escrow account.
I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX XXXX The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
I had defaulted on my Citibank loan. I had discussed this with them, settlement made, debt paid.
Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years
XXXX XXXX is harassing me for payment of my son 's student loan. First, they went through XXXX, now a law firm in New Jersey, Schachter Portnoy, LLC. My son has been paying this loan through XXXX for many years. They were accepting his payment up until XXXX, 2015 when they returned it to him. His address is on file with the loan companies ; however, they are still sending letters to my home. He has n't lived in that house in over 8 years. XXXX is willing to pay the loan, but no one has returned his calls or contacted him. They are just threatening me. I return his letters to them unopened and tell them to mail it to the correct address. His forwarding order stopped from our house years ago. I do not appreciate the threats and these collectors telling me the loan is in default. He has been paying the loan in good faith and all he received from XXXX was the returned check. No other information was provided to him as to who to contact about this loan. When XXXX took over the loan from XXXX and XXXX, the first thing they should have done was contact my son prior to proceeding with the collection process. In turn, this is unfair to my son and myself.
The following accounts still appears on my Experian credit report, although they were supposed to be removed last month ( XX/XX/XXXX ) You have 27 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
XXXX XXXX XXXX calls approximately 10-15 times a day on certain days from XXXX- XXXX. Sometimes on weekends. All call are robo calls or in person calls. We are financially struggling and tried working things out, but these harrasing call are getting out of control. After talking to them they call the next day over and over.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
As of XXXX, XXXX, XXXX has been taking money out of our Wells Fargo Checking account without our authorization. They have done this XXXX times, sometimes bi-monthly for about a total of {$1300.00} as reported to me by Wells Fargo. 
I contacted Wells Fargo on XXXX XXXX, XXXX to report this unauthorized withdrawal. I contacted the fraud department as instructed. The woman from Wells told me that we would not be liable for these charges. She said that Wells Fargo would cover this for us. She did a search to see the history of the charges and found that XXXX was at times taking {$29.00} BI-MONTHLY FROM OUR ACCOUNT. She then transferred me to another person on the fraud unit. I had thought that I was already talking to the fraud unit. The case number that she gave me was XXXX. The fraud unit Representative the told me that there is a statue of limitations and they may only go back XXXX months. He implied that we were at fault for not reporting this sooner. He said that it would take about XXXX business days to get a reply from Wells Fargo and that we may or my not get our money reimbursed and that if it was, it could be taken away. He said it could take from XXXX days to process this. He said a lot of research goes into this. We may get a provisional credit or temporary credit but it can be taken away..He then transferred me to his supervisor after I told him that we were not responsible.I told him that I did not know if what he told me about the statue of limitations is legal. The supervisor came on, and she said that she could not hear me and ended the call, whereupon I had to call back and deal with another person who then told me I had to answer several questions which I did answer. I asked her to please email me the questions that I had answered so that I could have that for my records. I have not received that information. 
I hope that you can help me with this as I do not know what my rights are with Wells Fargo.
I filed a dispute with this finance company and they failed to notify the credit bureaus within the timeframe allowed according to the FCRA 623 ( a ) ( 3 ) which I also provided them with proof. They simply refuse to acknowledge the fact that they have clearly violated federal law.
I filed Chapter XXXX bankruptcy ( XXXX ) and succeeded in getting XXXX student loans included and discharged based on undue hardship. The same month that I filed ( XXXX ), Wachovia changed the name of the loans and re-aged them to XXXX and reported this new information to the credit bureaus. When the discharge was final, ( XXXX ) the original loans were listed as " Included In Bankruptcy '', " Balance {$0.00} '', but I now had these re-aged, renamed loans on my credit report ; therefore, I still had the same student loan debt. 
When I wrote to Wachovia about the matter I was told student loans can not be discharged in bankruptcy and that Wachovia did what it was supposed to do.