WillisBack/dataset-financial-user-claim huggingface dataset:
I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.
I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.
I went to close my account, but they did not allow me due to open charges that have not been posted, I do not have overdraft protection. If i had no money to cover charges, money should not have been dispersed. I am now being charged additional fees for them paying bills when there was no money in the account to cover, multiple times. If I am held accountable legally if I write checks that bounce, how can a company do that for me, unauthorized ( no overdraft protection signed up ) and they were well aware at the local branch i visited that I was closing my account.
I keep receiving mails from synchrony bank stated that i have debt to pay but never receive any types of balance sheet, I was never sign up for synchrony bank for credit cards for that matters. I only bank with XXXX XXXX XXXX and also issued with student credit for tha matters. I believe that my personal information was use without my consent in regarding of debt that is not applicable of my own
received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. 
I was told they do n't know??? 
If they do n't know how did they decide to send me a check. 
I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX
On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,
XXXX XXXX shows a inquire on my credit report XXXX-17 but I never gave them written authorization to run my credit.
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft Report.
I had a XXXX XXXX XXXX credit card Acct # XXXX which was in the name of a Corporation and used only for such Corporation. I did not have a personal guaranty on this account. XXXX XXXX took me to NYS supreme court and sued me personally. The Court ruled in my favor dismissing the complaint and stating that there was no personal guarantee and that it was a business credit card and I was not liable for such account. I sent the documentation to XXXX XXXX who then deleted the account from my record in 2 days. I sent a copy to Equifax XX/XX/XXXX and they acknowledged the dispute and said it would take up to 30 days to resolve. After not hearing back and finding it impossible to reach them on the phone I sent another Dispute on XX/XX/XXXX to which they responded in 1 day and there results were that they verified the account was mine and I was individually liable for this account. Thus defying a Court ruling. I would like this account removed from my credit report. Thank You XXXX XXXX XXXX
Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing  complaints and potential suits against XXXX XXXX.
My home is up for a foreclosure sale the XXXX Tuesday in XX/XX/2018. The assignment that being used to foreclose was created after the cut off date of the alleged trust that claiming to have Power of Attorney. I revoked the power of attorney that was given to the XXXX XXXX with the Borrowers Waiver of Rights in the XXXX County Courts. The assignment is robo signed and fraudulent.
Citibank once again has allow an vendor XXXX XXXX  place reoccurring charges on my account without my consent or knowledge. 

I filed the same complaint with the CFPB back in XX/XX/XXXX, when Citibank did the same thing with vendor XXXX XXXX XXXX XXXX. 

I contact Citibank and went over in detail the only vendor that should have authorization to set-up reoccurring charges. Citibank ensured me no other vendor would be able to set-up said reoccurring charges without my express written consent. 

On XX/XX/XXXX, Citibank allowed XXXX XXXX  to place an {$12.00} monthly reoccurring charge on my account and has refused to refund and block said card from XXXX pacing any additional charges on my account.
I fell behind XXXX payment XX/XX/XXXX, I applied for a home mod XX/XX/XXXX With XXXX XXXX XXXX XXXX XXXX XXXX sold the loan after we applied. We had to reapply again. XX/XX/XXXX the home mod was agreed upon. Then it was overturn by XXXX XXXX. I continue making my payments. My payment was rejected XX/XX/XXXX saying I had an escrow account. They told me I needed to pay XXXX. They would bring the account current. I sent the payment. I called to see why the account still had a problem they needed additional payment of XXXX. They miss applied the payment and increase the monthly payment. 
I called trying to clear up the account each month it became more and more. So I paid an additional {$1000.00} for six months. I sent correspondence explaining that the property taxes they were collecting was incorrect. I was not able to get anyone to help me. XX/XX/XXXX I sent proof to their department call XXXX and cc the letter to Escrow. 
XX/XX/XXXX I received a letter XX/XX/XXXX. Escrow had a shortage of XXXX and my payment was XXXX. 
I received another letter XX/XX/XXXX escrow bal. of XXXX. I received the 3rd letter XX/XX/XXXX. My XX/XX/XXXX payment is now XXXX I am exhausted, I cant get Seterus to correct this problem. I need some help. 
XXXX XXXX. 
XXXX.. 

Please if you can help me I really do not want to go another year of this.
Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.
This debt is 5 years old and I have never received a bill at my residence. The bill collector also never gave me full information of the debt and or amount.
Discover Bank mailed flyers to Discover Credit Card holders advertising a {$300.00} checking bonus upon opening a new account and meeting direct deposit requirements. 
I complied with all the requirements, sent an online message to which a representative responded that I met the requirements and would receive the bonus offer by XXXX/XXXX/16. 

Upon following up, I was told that I was not 'targeted '. Even though I received the mailer and opened the account ; which the confirmation page shows the bonus.
On XX/XX/XXXX or XX/XX/XXXX I called XXXX to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.
I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done and it came back verified. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they ( XXXX XXXX XXXX ) do not verify information to credit bureaus. With this information, EXPERIAN still has not removed the bankruptcy.
I am writing to file a formal complaint against XXXX XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Capital One ( Quick Silver ) credit card continues to charge me an interest charge on cash advances. In the last several years they have charged me between $ XXXX {$700.00} in interest for these bogus cash advances charges. The company is not helpful in resolving these matters. When I talk directly to them, I am sent to a number where the person on the other end can not speak fluent english which creates a communication barrier. They seemed to use stall tactics, putting me on hold for up to XXXX minutes. There has been no resolution in years on this matter. The response is always the same, " you must have made a cash advance transaction. My last response from Capital One was not productive in getting them to stop these bogus cash advance charges. They seemed to acknowlege that the stores where I make purchases from are coding them in a certain way therefore creating these charges. When I have asked local merchants about this they have no idea what I 'm talking about. I believe this explanation is baseless and is an outright lie. For now the charges continue although they have now decreased in the amount from $ XXXX {$6.00} down to XXXX on these transactions. This is not ethical and I consider it to be theft on their part.
Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!
Fair Debt Collections Practices Act ... .was violated on XXXX/XXXX/XXXX at XXXX and on XXXX/XXXX/XXXX at XXXX when this company called XXXX XXXX XXXX attempted to contact me again after I told two people for the company to cease and desist all calls ... .seems that they have a third party company from XXXX contact you first then your transferred to a rep at XXXX XXXX XXXX ... .I told them to cease all calls on XXXX/XXXX/XXXX at XXXX call duration 1minute 12sec ... .I felt threatened and harrassed by this company ... .I want to be compensated asap
Bank of America at XXXX XXXX Florida take my loan and process and assured that my loan is good to go for approval Loan Officer XXXX XXXX. 
The Loan Officer assured me about the approval is done. 
I paid the appraisal fees and keep the loans documents for almost 3 months assuring me that the loan is approved. 

On the end of my contract to close he send me a failed letter. As a results I need to lost money to buy a time to a seller. and start all over the Loan applications as a results my health got affected I suffer anxiety and depressions. 

I Tried one more shot to XXXX XXXX. The loan officer see my document and can not believed what the Bank of America did to me. 

The Loan Officer from XXXX XXXX qualified me and close the home in a right time manner. 

I been banking in Bank of America for 25 years and this bank and has no loyalty on no ethics to there customer not only the Loan Officer did a misrepresentation and lied about my loan. 
I tried calling the manager to ask information about my concern and they said they will give messages to XXXX XXXX and nobody called me I tried again up to 3 times and the same story I received. Until now no apology or word from this bank branch manager or Loan Officer. 
I demand to return my money that I lost on This Bank of America and I will close my banking.
XX/XX/XXXX, my wife XXXX XXXX XXXX needed money to return to school ( University of XXXX XXXX, XXXX ) in order to complete her study and obtain her degree of XXXX in XXXX with concentration in XXXX. I decided to take a Loan from Cashcall of average {$2600.00} in order to pay for all my wife 's school expenses. 
After receiving our XX/XX/XXXX taxes return, I decided on XXXX/XXXX/XXXX to fully paid off the Cashcall loan that with the amount of {$2700.00}. 

IF Cashcall need furthers information they must contact XXXX XXXX to enquire about that issue.
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.
I was a long time customer of capital one. Last year, I had two business credit cards and 1 personal credit card that were all abruptly closed down by Capital One. When asked why the accounts were closed, I was sent a generic letter that said that they had observed activity that did not meet their expectations for the account. I filed a complaint with the XXXX because I had very high limits on those cards, and Capital One refused to ever tell me what specific activity they were referring to. Several months after the accounts were closed, Capital One began to send me mail offers and solicitations to my business and home address. Based on the solicitations, I assumed that Capital One previously made a mistake, so I opened my two business accounts again. Now the oldest of the two accounts is less than 3 months old, and once again, I find out while traveling out of state last week on XX/XX/XXXX that Capital One has again closed my accounts. When I called that day to find out why, I was told to call back the next day because the people that I needed to speak to were gone for the night. So, on XX/XX/XXXX I did call again, and I was told that the account was closed, and the agent read the same generic letter I received when my accounts were closed last year, which states that Capital One observed activity that is not consistent with their expectations for usage for a commercial or small business account. Once again, I called back and asked for the specific activity they were referring to, and I was again told that no more information would be provided outside of the generic letter. I am simply outraged about this because I believe that my accounts are being closed ONLY because I don't carry a balance, so Capital One is not collecting fees for interest. I sincerely believe that because I use the cards heavily and then pay the balance off, my accounts were closed so that Capital One would not have to continue to pay me hundreds of dollars in cash back. I have excellent credit, and I run a successful medical practice. There is not ONE charge on either of these two new accounts that was not for business purpose, which I can prove, so Capital One has no reason to close my accounts be it not for the fact that they are weeding out accounts like mine that cost them money instead of make them money. This is discrimination! When I opened the two new accounts, Capital One ran my credit both times, and my credit score took a hit. If they had a problem with me opening up new accounts after they closed the previous ones, they should have NEVER solicited me to come back, nor should they have approved the credit cards. When they did, unless they can prove that I have violated something in the agreement, which I have not, then Capital One should not be allowed to discriminate against customers like me who they do not earn money from. This is simply unacceptable!!!