WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan from XXXX XXXX XXXX in the summer of XX/XX/XXXX. The disbursement date was XX/XX/XXXX for the upcoming fall semester. My original balance on the loan was {$16000.00}. I was scheduled to start paying on the loan in XX/XX/XXXX. Before I made my first payment the loan was transferred to AES American Education Services with a notice that the terms of my loan were changed. As of XX/XX/XXXX I had paid {$15000.00} on this loan and noticed that I still owned nearly {$20000.00}. I had taken out a federal loan at the same time that was almost paid off in full for the same amount, but this AES loan had more than the original balanced still owned. I made telephone call to AES and they stated there was no way that I can talk to XXXX XXXX XXXX. I could send a letter and they would forward it to them. I did that in XX/XX/XXXX, asking for a reasonable settlement with no response. I am now in default. I have never signed any contract with American Education Services. I certainly would not have signed an agreement to pay back {$46000.00} for a {$16000.00} loan, as the change in terms notice states. I can no longer manage this loan, besides the fact that I think this is criminal, it reeks of extortion. AES told me that the interest is accruing daily. Even though I have been paying {$220.00} a month, the amount owed just keeps increasing. I dont believe that this company is complaint with truth in lending laws and should not be allowed to do business in my state.
In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.
I intiated an inquiry with my mortgage company Nationstar regarding FHA loan assumption. XX/XX/XXXX, I found a qualified buyer that completed necessary paperwork only to find out that they could not produce current resident payment history required to complete the loan process. 
Buyers entered a rental agreement to create a payment history to satisfy Nationstar requirement. 
XX/XX/XXXX resumed loan assumption process. At this time I was told my FHA mortgage is not assumable, therefore refused to contact buyer, and process request for loan assumption. After 2 phone conversations with the Assumptions research associate she agreed to go along with the loan assumption process on XX/XX/XXXX. She contacted the buyer to inform them they would receive a phone call from the sales department in 7-10 days for credit application. On XX/XX/XXXX buyers sent email inquiry to Nationstar no phone call from sales department was told would be looked into. Still no phone call as of XX/XX/XXXX I forwarded email inquiry threating to file complaint with CFPB this intiated a phone call from the sales department to the buyer on XX/XX/XXXX the credit application was completed. XX/XX/XXXX the buyer was sent a letter indicating they needed XXXX FICO score, the buyer had XXXX and loan appumptipon denied by assumption manager. The problem is FHA only requires XXXX. Nationstar hedged on paperwork and phone calls, taking 3 months to start the process. The assumption Manager told the buyer the process would be quicker and easier to go thru new loan application. The buyer is currently eligible to assume the mortgage provided Nationstar dba Mr Cooper is willing to follow FHA guidelines for processing loan assumption. The buyer and myself was told the process would take 6 months after credit score qualification. It has been 5 months trying to go through a simple loan assumption.
This mortgage is not and was not late since the bankruptcy filing date of XX/XX/13 as all payments were paid as agreed via the trustee and not 30 days late since
I received a mailing in XX/XX/XXXX, 2015 from Bank or America ( my mortgage holder ) stating I owed them approximately {$1500.00}. My mortgage bill for that month had given me XXXX options ( 1. interest only, 2. prinicipal + interest, 3. prinicipal + interest for 15 year payoff ). I chose the interest only payment and paid that amount in full at the beginning of the month. 

I do not understand how they can then ask for more money mid- month. 

In XXXX, I paid the amount that includes prinicpal and interest. 

I received a bill for this coming month 's payment ( XXXX, 2015 ). It states that I owe {$12000.00} for my payment. This amount includes principal + interest for XXXX ( {$5400.00} ), as well as {$930.00} for current period fees and charges AND {$5600.00} for overdue payments, fees and charges. 

The payment I made in XXXX ( {$4100.00} ) is being held separately as " unapplied funds ''. 

I have spoken to BofA on multiple occasions, had my loan " escalated '' XXXX different times. I 've also been told once that the billing mistake in XXXX was to be taken care of and that they would accept my interest only payment in XXXX as payment in full for that month. 

However, I have still been receiving collections calls and billing statements that do not show that the corrections have been implemented. 

The last time I spoke with someone from BofA, was the third time it was being " escalated '' since late XXXX. I was told I would be called back the following day with a resolution. I have not been called back since. That was over a week ago now. 

I have spoken to numerous different people at BofA and have yet to receive any resolution or explanation of what is going on.
On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.
S enex Services replied to your company with false information. Validation was not performed. They never produced anything with a signature by me nor a contract! In fact they violated my HIPpa rights and I demand that they remove this from ALL CREFIT REPORTING AGENCIES. I PROVIDED WHAT THEY SENT AND NOWHERE IS MY SIGNATURE OR ANYTHING THAT VALIDATES THIS DEBT
The company Green Tree servicing has posted information the all XXXX credit bureaus that is not true or accurate saying that my property is affected by natural or declared disaster. This is not true. Even if it were true it should not be reported on my credit report since it has nothing to do with my credit worthiness. There has not been any natural disasters occurring anywhere near my home. I live at XXXX XXXX XXXX, XXXX XXXX, TX XXXX on high ground. 
GREEN TREE*XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX AFFECTED BY NATURAL OR DECLARED DISASTER
I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals.
I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law?
I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.
I recieved a bill that stated i was past due and I owed {$550.00} and that I was past due. This is almost {$200.00} more than my monthly payment. When I call I have to wait on hold for at least 20 minutes. Then when I talked to the lady she said no, I owed {$340.00}. She could not explain why I owed that much. Then she told me that XX/XX/XXXX my payment is going up. I am on Income Based payment plan and am not up for my application until XX/XX/XXXX. The lady claimed that I must have been informed that my payment was going up. I said no I was not and that I have been paying the same amount for months. I then asked to speak to a supervisor. After waiting 30 minutes, one was still not available. She told me they would do " research '' then call me back. I said no that I did not want to default because apparently my payment is already late. She told me they would n't report it to the credit bureau until I was 90 days late. I would not accept this. I told her I would look at my payment history and call back. I called back 30 minutes after and got a new lady. She said no, my account is not late and in fact it is up today. However, she also told me that they are missing one payment of {$200.00}. This {$200.00} was taken out of my bank account nearly 3 weeks prior but they claim they never got it. She told me I had to take it up with my bank. Again, I demanded they give me some sort of resolution to the problem. She told me I had to print off my bank statement and mail it in for them to " research. '' Meanwhile, {$200.00} is missing!! 

Also, I have tried to set up my auto payment out of my account for more than the minimum that I have to pay. They have told me that is not possible, they ca n't draft more money out of my account than the minimum balance. I find this very hard to believe.
I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve. 

Kindest regards
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX  , XXXX  , XXXX XXXX and XXXX XXXX .
XXXX/XXXX/15 purchased an American Express Bluebird debit card at XXXX, XXXX CA loaded it $ XXXX called to cancel card, requested a XXXX card was finally processed and mailed ( that is what I as told ) XXXX contacted XXXX several times to find out where my check for r efund was. 
I suggested that the financial institute who issued the check be notified and get status from them. 
Called back XXXX/XXXX/15 check was returned ( they had sent to my physical address, I live in rural area we pick up mail at XXXX XXXX XXXX 
XXXX refused to understand this. Spoke to XXXX who assured me they would sent to my XXXX due to the situation. She told me the check should go out within the new few days. I waited until XXXX/XXXX/15 sill no check, was XXXX around, left on hold for over 1 hr or more. Found out that the XXXX check mailed out as XXXX again mailed to my physical address. Why would you remail to an address that was not acceptable AGAIN, even after assuring me it would not be. I even offered another solution but was turned down. This is unacceptable, it was negligence, fraud, false advertising, deceit. The insert clearly states 10days to receive a refund. I am expected to wait another month? I have suffered XXXX stress due to incompetence of this company. I experienced financial loss, and personal loss as well.
On  XXXX   XXXX ,   XXXX   I made a purchase originating fro m homedepot.com that c harged  XXXX  to my Home Depot Credit card. The store was unable to fill the order and cancelled the order on the same day. I received an email cancellation and refund confirmation when store cancelled my order. I waite d for one wee k and my refund did not get processed. I attempted to resolve with the store and they insisted that they could only refund me if I presented my card and ID in person. I contacted customer care wi th Home Depot and the  referred me back to the store stating that they were unable to assist. I disputed the transaction on my credit card. I called the credit card disputes department for my home depot credit card on  XXXX / XXXX /  XXXX   and was advised that my dispute was closed and needed to be reopened. I advised that the dispute is not resolved and that the store has had an opportunity to represent to my dispute and should not be allowed to reset their dispute clock. The agent advised that the merchant has not represented. The credit services/claims associate advised that she could not escalate this claim. I advised that they are out of compliance with lending regulations. The associate offered no further resolution. Called  Store  on  XXXX / XXXX /  XXXX   and was advised by  manager on dut y  XXXX   that they are un able to process the refund unless I come into the store.
Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.
I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN CREDIT.
I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX
yes at my pnc bank i got a over draft of XXXX??? they would not waive the overdraft fee because XXXX years ago i had another fee they waived???? im on XXXX and going thru a hardship???? they told me they could not helpme??? thought was very unfair thats all .also im a care giver too my mom whos XXXX XXXX too.im just going thru alot of XXXX and thought they have a heart??? guess they dont.
I received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.
On or around XX/XX/2018, I disputed a credit card account with XXXX  credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from XXXX that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a XXXX   representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from XXXX  regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.