WillisBack/dataset-financial-user-claim huggingface dataset:
I 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. 
I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is!
The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.
This debt appeared on my credit file as a collection. I have never done business with these people, I have never signed or authorized this debt. I have written to the credit collecting people, and they sent me a form with no signature and claim I am responsible for the debt., I have never done business with their client, I do n't even know who or what they are ( the client ), I am a XXXX year old XXXX person, who lives in a tiny town in Washington state. I dont know where this debt comes from as I havent been out of my state in 12 years
Attempted to request my Experian credit report on XX/XX/2018 from XXXX. Received this error : A condition exists that prevents Experian from being able to accept your request at this time.
I have received calls from " The Huntington Group '' - telephone number XXXX, XXXX, XXXX ( and more ) representing themselves as a number of varying folks from process servers to attorneys, up to Managing Partner, XXXX XXXX. They have now called my cell phone, my home phone, my work phone, and my work corporate office threatening a Summons to Appear, advising that they have been unable to reach me at my home, which is the same address that I have had for XXXX years. 

I have called these folks back, and they continually ask me to pay anywhere between {$500.00} - {$2000.00}, gradually decreasing each time I refuse, however, will not tell me what the debt is for, will not provide me proof or validation of the debt, and will not provide me with a mailing address to mail them these requests or a formal request to stop calling me until the debt can be validated. 

I have asked these people to cease calling me at any numbers until they can provide proof of the debt, at which point I am told that they do n't have to provide that since they are a " Legal Group '' vs. a debt collector, yet no record of the company exists. 

They refuse to end calling - most specifically my place of business, until I make a payment toward this unknown debt. They have threatened to come to my place of business and have the HR Director or my Managing Director call me into a meeting to serve me with the necessary files if I do not pay them directly, over the phone, without validation.
On XX/XX/XXXX, XXXX XXXX from the Office of the Chairman ever so kindly provided all of the information that shows the bank 's guilt to comply with the /fair /Credit Reporting Act ( FCRA ) which ( as XXXX XXXX so graciously supplied me ), " ... requires the bank furnish information which is considered true and accurate. '' As is reflected on bank statements for the only bank I ever received statement for ending in XXXX, the money for HELOC is taken out every month plus my several transfers in excess of hundreds of dollars but the bank not only closed my account ILLEGALLY bur on XX/XX/XXXX, I got another letter that my HELOC ( I did not know even the number due to no compliance with the laws governing banks ) that now citizens bank closed my HELOC which I infer is to spitefully and maliciously attempt to steal my house that I was never even a day late since I bought XXXX on XX/XX/XXXX except in XX/XX/XXXX when I withdrew all of my money from said bank due to some type of identity theft or an inside thief but spitefully did not protect my money when I learned that all the bank had to do was CONTACT ME to change account numbers. The reporting of late payments has caused my car insurance to be high and hundreds of dollars ( for over a year ) in outrageous interest rates all due to lies! I could be spiteful like whoever is maliciously going against every commonwealth law and jurisdiction overseeing banks when they shut down mu account and stole the money I left in the checking to keep it open for my deposit which I got despite the illegal closure of same.
In XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Equifax Credit File. Please remover addresses : XXXX XXXX I, and XXXX XXXX, XXXX, Al. This information is a result of identity theft.
I have contacted this company and informed them the debt did not belong to me it belong to   XXXX   other family member who shared an account with me. the debt belongs to them I have disputed this numerous times including the other family members SSN and information. They are also reporting the account as opened in 2017. Please see pages 18 and 33.
Debt went through foreclosure. Debt is more than 7 years old. Instead of company removing from my credit report. Company keeps selling debt to " other '' companies and putting it back on my credit report as a new debt.
Dear Bank of America, I would like to dispute an error you reported to the credit agencies from an account I held with you. 

On XX/XX/XXXX, I opened up a Flexible Spending Credit Card with your organization. Over the course of 10 years and 11 months, I dutifully made on-time payments on this credit card. 

However, on XX/XX/XXXX, Bank of America inexplicable and unexpectedly terminated their relationship with me and closed all my accounts with the bank including the credit card. I was completely prohibited from accessing online banking and all billing notifications stopped as well. 

As a result of this termination, I held a balance on my credit card that I was both unaware of and unable to make payments towards. It was not until sixth months later, on XX/XX/XXXX, that I received a phone call from a third party debt collector informing me that I owed money to the account. I immediately paid the debt collector right at that moment and brought the account current. 

To this day, I have on my credit reports a 90-119 Days Late line of credit that was Canceled by credit grantor which haunts me to this day. I feel this mark on my credit is extremely unfair as I was completely unable and unaware to make any payments towards my credit card. I also tried to call the bank regarding the nature of the account closure and was met with hang-ups and non-answers. 

I hope there is something that can be done regarding this unique situation regarding this account. 

Thank you.
The work is 100 % completed from fire damage. The XXXX XXXX  has paid the Freedom mortgage, the mortgage company needs to release the funds once the work has been completed. The work has been completed and they claim that we need an inspection in order for them to release the funds and they have not send an inspector out to do the inspection or released the money. That is the problem, we have contacted different persons and have received different answers. They claim that it should only take a couple of days and every couple of days you get a different excuse to why they have not sent an inspector out or released the money. Borrower has given me complete written authorization to negotiate with Freedom Mtg. for this fire repair. I will include the Authorization. 
Original request was made over 30 days ago, Freedom Tracking # XXXX.
In 2008 I purchased a XXXX-door XXXX XXXX XXXX SUV. The company that gave me financing is located in XXXX, Arizona. As for this collection agency, I dont know them or who they might be.
I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.
On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges
Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.
Due to medical and financial situation, on XXXX XXXX, 2017, we filed for bankruptcy protection. We did n't include our bank, Navy Federal Credit Union on our petition, since are trying to maintain a good relation with the bank. Two weeks ago I tried to get gas in my card, to find my credit card did n't work. I called XXXX XXXX XXXX, they stated my credit cards and loan have been canceled, since they found out through my social security we filed bankruptcy. We received no noticed from Navy Federal about what they had did. On XXXX XXXX, 2017, we amended our bankruptcy petition, to include Navy Federal Credit Union. The same day I hand carried a copy of our petition to our local branch in XXXX, VA. The agent faxed and scanned a copy to the bankruptcy department. After the agent faxed the documents, she tried to call to confirm they received the documents, no answer. I called and talked to XXXX XXXX, I asked him did he received my bankruptcy papers, he stated yes, with a rude tone, asking me if I had a lawyer, and letting me know there were a balance of {$480.00} owed to the bank. I advised him, my government retirement will be in on XXXX XXXX, 2017, federal law the bank can not take that money from our account, since we filed bankruptcy. Our son, which is the primary owner, has a military checking and savings account. He went to pay his rent and found out he was short by {$480.00} from his account. Our son told us Navy Federal Credit Union have taken money from his account without his authorization and ca n't pay his rent. As you know Navy Federal Credit Union knowingly commit fraud, while taking money from our son 's account.
I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.
On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter. 
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}. 
* I also told them I got bonus last year already. 
But XXXX XXXX, I still do not get bonus {$250.00}.
I have an HSA account with Bank of America. It is horribly managed.     I wanted to close it and transfer the money to another  HSA ac count, but was told I would need to pay a {$25.00} transfer fee on  XXXX   XXXX ,  2017 . This seems absurd to me.
In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately.
The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Selene Finance and their foreclosing attorneys XXXX have violated the " dual tracking '' statute under XXXX XXXX regulations. I have been actively negotiating a short sale with loss mitigation at Selene Finance. We are still in the negotiation process and in active open loss mitigation file and while trying to negotiate the short sale they simultaneously are foreclosing on my property. I ask the CFPB to intervene in this matter. For Selene Finance, a debt collector and their debt collector attorneys are violating the dual tracking laws. The sale date is set for XX/XX/2017 According to XXXX XXXX, Selene 's negotiator/underwriter on my loss mitigation file stated that the short sale offer to purchase the property needs to higher. We asked for a copy of the XXXX or information regarding the XXXX and they refused to give any information. We would like to reach a fair price but they need to disclose to the consumer their justification of the higher offer. I ask the CFPB investigate Selene Finance and their attorneys for acting in bad faith. Placing a foreclosing sale date in the middle of a short sale/loss mitigation negotiation.
I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX
Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX
I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.