WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my job in XXXX of 2016. I had taken out a loan with CircleBack Lending, but informed them of my unemployment status. I sated that as soon as I regained employment I would be able to begin paying again. I was unable to regain employment until the beginning of XXXX. I have done everything they asked, but I continue to be told my loan status is delinquent. I received calls and emails constantly, even after speaking to someone. I am being bullied and harassed by this company as I have several emails indicating that CircleBack may have to report me to debt and credit reporting agencies. In addition, my family members have been contacted on home phones and cell phones.
I tried to open a checking account at Wells Fargo Bank, and was told that I couldn't and would receive a letter saying why I received the letter and it says that they obtained a consumer reports from a company. A " soft copy '' they call it. The company is called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX
Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.
Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.
I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. 

THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. 

Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. 

Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC  Financial Services Group XXXX
I recently attended a credit counseling seminar and they told us to monitor our credit I checked my credit report just to see exactly what was on it. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ', XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX.
On XX/XX/XXXX, at approximately XXXX XXXX CENTRAL STANDARD TIME. I, XXXX XXXX XXXX, called Navient for deferment ( In-school XXXX XXXX ). They promised to accept my documentation and proof of enrollment at XXXX XXXX XXXX XXXX. I am enrolled for 6 credit hours. The last term was a pain to get deferred, also! Now, Navient has denied my in-school status and stated, " Ineligible school. '' Please help!
I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.
On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and Experian has removed a debt but XXXX XXXX still carrying it. I would also like that removed.
false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT
Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.
I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information! 

I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital. 

First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years! 

I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!
I have been consistently encouraged to put my loans in forbearance since 2012 when i first returned to XXXX College and then XXXX University XXXX to school, despite the fact that i am currently low income and have been for several years. I was never offered the opportunity to base my repayment amount on my income level, or informed that there were options available that would limit or eliminate the amount of interest accrued on my loans over time. I was also never offered the option of consolidating my loans. The push was consistently toward forbearance and interest accruing repayment plans.
I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge.
I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.
I asked the fiance company ( XXXX XXXX ) to reset my payment date from the ( XXXX ) to the end of the month when I bought the car ( 2016 XXXX XXXX ) My Job cut my hours to parttime 30 or less a pay period. This has caused my payments to be late if my due date was at the end of the month I can take both paychecks and have my full payment and paid on time but each Rep I talked to refuse to help me out now I three months behind on my not now Im in repo status I love my car and Im going to pay the note. Just need a lil help in doing so.
During 2013 Citibank received {$27000.00} in error from my XXXX checking account. Citibank can produce no charges made on my card during that period of time. The overpayments go back quite a bit further but for the purposes of this complaint I would like to point out the error in billing as well as produce evidence of my payments being made from my XXXX checking account during 2013. 
That was the year my son was involved in a XXXX accident leaving him XXXX injured suffering from a XXXX XXXX XXXX and XXXX. We desperately need the overpayment back in order to continue his XXXX. If I am in error, I apologize in advance and ask only that you confirm by producing evidence of those charges. If not, I demand an immediate return of the payments transferred to Citibank in error. I will include some of the statements confirming money was transferred to Citibank from my personal checking account. The joint account holder with this card can not produce any records and has refused to cooperate as a result of divorce. However we have equal rights to the information which was part of my own credit score and the payments made from my own account which my monthly paychecks were deposited into. If Citibank feels my understanding my consumer rights is flawed, please provide your own interpretation of consumer laws which allows for Citibank to charge a consumer their hard earned money, hold them accountable for those charges subject to negative reporting on their credit score, and yet claim you have no obligation to produce corresponding debt. Currently Citibank has produced no evidence any money was owed. If you are unable to produce that evidence then I 'd like the overpayments returned. 

Thank you, XXXX XXXX XXXX
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were XXXX at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for XXXX and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward dental work to be done. The manager at that time, stated that they can have XXXX increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the XXXX visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from XXXX XXXX, and AscensionPoint Recovery Services, LLC regarding the balance of {$800.00} for XXXX. The card arrived, but was never activated by my now XXXX husband. According to when I informed XXXX XXXX nd AscensionPoint of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is AscensionPoint, XXXX XXXX, XXXX in which now they are sending bill in my name.
Coinbase had froze my account do to a security breech on there end. I asked that they take all unauthorized purchases off my account. However, I said I wanted to keep ( make final payment on the coins. I had bought them at {$80.00} per coin. coon after they went up in value. I contacted coinbase to get a number on the amount owed. I also needed to transfer bank accounts. I was told a supervisor would call. they did and nothing was done. the next day I see coins that where not there before. 
At this point, I call coinbase to inform them my account was compromised. they freeze my account with over 80k. XXXX paid off with the profits realized by coin appreciation. They said they would take care of the issue and reinstate my account. they did nothing. just let the system reclaim the coins without letting me pay. I asked then to hold the coins I had purchased.. they returned the account with {$600.00} left. I am getting nowhere with them. they will not do anything to help resolve this issue. I am furious that a company can get away with this type of scam with impunity.
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have already paid this debt and it was never take off my credit report even though when talking to them over the phone they said they would remove it with three weeks. It was removed from one report but not the other.
I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score
Ive tried on numerous times in the past- so many times ( can be verified per my Navient and XXXX XXXX account ) to negotiate with either Navient or XXXX XXXX in regards to lowering my interest rate. Ive also attempted many times to apply for programs ( IBPR/ is one ) that would help me pay off my account, To no avail - I was told for 2 years they could not find my account???!! I need to negotiate to the lowest payment ( minus all the accrued interest ) and pay this loan ( consolidated now ) off before I retire. HELP me.
I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from  $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!
I am at the final stages of closing my refinance only to be told that repairs are now a condition of my loan. I was told by the underwriter/XXXX XXXX on XXXX/XXXX/XXXX via email that repairs are a condition of closing my refinance. When I asked my Loan Officer/XXXX XXXX on XXXX/XXXX/XXXX via telephone, she reported that this was covered in her " intro letter '' to me at the start of the refi process. The only item in the " intro letter '' that could relate is a bullet point that states " We can not lend on homes that have safety issues. '' In the beginning stages of the application process, XXXX XXXX XXXX asked me to complete a " Property Pre-appraisal Questionnaire '' which asks potential safety issues ( empty pool, broken windows, exposed wiring ). This form does not indicate dry rot as a potential safety issue. When asking XXXX to clarify what specific repairs are needed, I was told to reference my appraisal report only to discover that the appraisal that I was given had been revised. The revision was to change it from an " As is '' appraisal to a conditional appraisal. I was not notified of the change in my appraisal nor given a copy of this change in a timely manner. I am still unclear as to what repairs are needed to close as the appraiser is not a general contractor, did not closely inspect the needed areas indicated and only wrote " dryrott on the exterior wood siding at rear of house on laundry addition and eaves around base of roofline around the rear of the house. '' I am frustrated with XXXX XXXX XXXX due to this last minute communication and their failure to notify me of changes to my appraisal.
I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?