WillisBack/dataset-financial-user-claim huggingface dataset:
I received approximately {$5500.00} by Stafford loan to earn my degree. I made payments for a little more than a year and then the reality of my XXXX set in that no one was going to give me a job when you have XXXX 's XXXX. So I asked XXXX XXXX what could I do and they said there was a forgiveness program for people with 100 % XXXX like myself and I asked for them to send me forms. They became Navient during this exact time frame. Navient automatically kept rolling me into forbearance charging fines and accrued interest. I have requested this forgiveness route and appropriate forms and the operators always tell me they will but they do n't. More unrequested forbearance and fines. After no less than eight attempts to get these forms and begin the forgiveness process Navient has placed me on some harassment computerized call list that has " XXXX '' call as many as 8 times a week from XXXX to XXXX. " XXXX '' does not have a path to Loan forgiveness. And emails have failed to get the appropriate forms. Now, I just routinely block each new phone number that the government tries to use to harass me. As a XXXX vet who tried his best to return to the workforce and be a more contributing member of society I am utterly despondent at the treatment I have received. The stress of XXXX is compounded by the financial hardships that Navient has caused by attacking my credit rating that has rolled over into other outstanding debts I was already struggling to pay. In an emergency I had to buy an appliance so I got a lowe 's credit card. My XXXX payment account first changed my interest from 16 % to 29.9 % not because I missed a payment but because my credit rating fell because of Navient. Even though I was n't using my credit card and had n't missed a payment they then cut my credit limit to a lower value than the existing total. So now they charge fines as they seek their unauthorized new 29.9 % interest. I contacted them and confronted them and told them to fix it or I 'd not pay them anymore. I want to pay my debt but creditors are behaving like mafia lenders that change the rules and try to extort more money that the original contract I signed up for.
Navient, formerly Sallie Mae has several missteps within my loan process. When signing the loan, I was notified that having a cosigner would significantly reduce interest. Upon signing the loan, the interest rate was reverted back to the pre cosigner percentage. In XX/XX/XXXX we contacted navient to correct this issue and we're notified that wasn't the case and we were locked into the rate we had. Which is variable, not the low fixed rate as discussed. Moving through to repayment, immediately after graduation I was notified forbareance was my only option when. Struggling to make payments. This was XX/XX/XXXX. After the forbareance period, my loan pricipal balance was inflated to double the original loan amount. After 10 years of repayment, my balance is still over the original loan balances. Being more knowledgeable now about the student loan practices of navient I have discovered many options were available to me for both my public and private loans. This means, my current student loans would be either completed or within 5 years of being paid off rather then the 11 I currently have. I have payment the entired Original balance of my loans and not paying the accrued interest due to mispractices and mis represenations of repayment options and interest rates. In XX/XX/XXXX, I contacted navient for copies of my original loan docs as well as signed promissory note, which the request was denied, further complicating and creating duress on my relationship with the company. They have never been helpful or willing to assist in any Information gathering to allow me to understand the interest rate/cosigner discount that was marketed prior to taking the loan.
The Huntington Bank had a national news story break about skimmers on ATM 's in XXXX, Ohio. Following me making a {$440.00} cash deposit in an ATM in XXXX I has fraudulent transaction in my account. I've now spoke with 5 different representative including 2 supervisors who has all told me different things. First I was told they would expedite the fraud claim and it would be resolved within the business day. Then I was told the first rep could have reversed the pending transactions but now that my debit card has been cancelled they could no longer. Then I was told the rush could take up to 48 hours to resolve and could be as early as end of business day Friday of last week. Now I'm being told they have up to 10 business days before they will issue a provisional credit but could take up to 90 days to investigate. The different information and conflicting time periods have left me frustrated.
This information is incorrect, and by law is required to be removed however experian has not done so. 
I have spoken with XXXX XXXX XXXX the creditors payment solution dept whom admits the information is incorrect. This incorrect information was removed from other credit reporting agencies yet remains on the experian reports a a negative factor. Per experian staff this case has been investigated, if this was true then why has n't experian abided by the law and removed wrong information from my credit report. Due to experians unlawful reporting of incorrect information on my credit report my ability to obtain credit and or receive the appropriate interest rates have been negatively impacted. 
I want this resolved expeditiously by removing the information from my credit report. 

credit report s proved to be a very
I have a bank account with Bank of America. I did not lose or gave my debit card to someone else, but somehow, someone else was able to obtain information on my debit card, including the pin and chip. This resulted in numerous fraudulent transactions/ ATM withdrawals that occurred between XX/XX/XXXX through XX/XX/XXXX. Below is the list of transactions : 1. {$100.00} ( XX/XX/XXXX ) 2. {$800.00} ( XX/XX/XXXX ) 3. {$380.00} ( XX/XX/XXXX ) 4. {$200.00} ( XX/XX/XXXX ) 5. {$600.00} ( XX/XX/XXXX ) 6. {$600.00} ( XX/XX/XXXX ) 7. {$1900.00} ( XX/XX/XXXX) 8. {$2.00} ( XX/XX/XXXX ) 9. {$640.00} ( XX/XX/XXXX ) I have filed a claim, made a fraud claim statement, and faxed a letter to the fraud claim department, requesting them to investigate these transactions and take a look at the camera surveillance. However, these sincere efforts did not result in the outcome desired as they were all denied. The reasoning provided by the bank fraud department was that the suspect had the pin and the chip and debit cards can not be duplicated and as such, they are unwilling to provide me with the refund.

I rarely make ATM withdrawals and if I were to plan on making such huge amount of withdrawals, I would go to the bank and withdraw it from a bank teller in one transaction rather than making multiple transactions. I put the maximum withdraw at the atm ( {$500.00} ). The fact that withdrawals are allowed to exceed this amount shows the lack of security from the side of Bank of America to allow the transactions to go through.

I am still persistent that I have no play in these transactions and that they are fraudulent and that Bank of America should look at the camera surveillance to verify that I was not the one making the transaction. As such, I am writing in hopes that I can have my tuition money back.
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for XXXX and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.
My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. 
I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! 
When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!
CITIBank credit card company allows OTHER people to add ANYONE they want to their credit card. My boyfriend ( not married ) added me to his credit card ( he did n't know it would affect my credit ) and now his balance and credit is being reflected on MY credit report without any knowledge or consent on my part. 

All he needed was my NAME. This is absolutely absurd that I did n't have to give consent to become an authorize user. Please fix this policy and prevent CITIbank from being so deceptive.
We are filing a complaint against Rushmore Loan Management, they have taken over my loan as of XX/XX/XXXX, at the time my employment situation was dire and I was unable to apply for modification assistance. In XX/XX/XXXX I was fortunate enough to gain full-time employment with my current employer XXXX. My mom has been residing with me for quite sometime and she is going to combine her income with mine, so that we can qualify for a modification and or repayment plan so that we can retain possession of our home. We submitted a complete and full RMA package, and all up to date supporting financial documents. They have refused to review my application for assistance stating that i 'm not eligible to be reviewed for assistance. To me this is considered an attempt at stripping all positive equity from my home. It is a fact, that my loan was actually purchased by Rushmore Loan Management investment team for pennies in the dollar and they have essentially placed my home in there cross fire for foreclosure and flipping my home for a profit. Rushmore Loan Management, is bound to the terms of the National Mortgage Settlement ( NMS ). They are required to review my request for assistance if a compete package is received prior to a sale date. 
Furthermore, no agents of Rushmore Loan Management made any attempts at allowing me the opportunity to save my home prior to initiating a sale date on XX/XX/XXXX. 
We are imploring your office to intervene in these abusive collection tactics.
I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.
these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.
i have over 130k in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
Wells Fargo auto dealer services. Ive co signed for vehicle with primary joint holder and joint holder was responsible for making payments.. which was opened on XX/XX/2007 I was never made aware of account being in default.. Due to not having access I was receiving phone calls and being threatened to pay debt.. Which I had no knowledge of. The FCRA states any account thats over 11 years old or more she be considered no longer responsible and be removed off of credit report..
I went to the Wells Fargo branch located in XXXX square in XXXX. The ATM vestibule was locked. The manager of this branch called my phone prior and promised me the door would not be locked. There was a cleaning lady in the bank who pushed me and would not allow to utilize my money. I had to go to another ATM and was assessed a fee. The bank refused to refund my fees and basically sided with the cleaning lady. They pretended they never spoke to me about the issue of the door being locked. The cleaning lady would not let me use the ATM. Please fine this bank. They are very rude and unprofessional
Please see attached email conversations where we have been lied to repeatedly about an escrow refund check. Also see photocopy of the check, dated the XX/XX/XXXX, along with the envelope dated the the XX/XX/XXXX. As can be seen from the emails and documents, Franklin American Support Representatives did nothing other than send false information out regarding the check. Based on that false information, we asked for a new check, only to have the original check arrive the next day. We immediately notified them by email of receipt and asked to have the stop pay process halted. 3 days later we were told we would have to wait again for the refund. Due to health and work issues, this refund is very important, and we do not trust Franklin American to handle in a timely manner. We also do not feel that Franklin American has acted in a manner consistent with the requirements of a fiduciary regarding these funds.
Starting on XX/XX/2016 I started the process of Disputing debt being reported by Dept of EDXXXXNavient who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to Dept of ED/Navient and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to  XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Wells Fargo closed my checking account on XXXX/XXXX/2017 without my authorization. My multiple employers all had direct deposits linked to that account, and now I am unable to get paid due to Wells Fargo closing my checking account without my authorization. I called customer service at XXXX at XXXX on XXXX/XXXX/2017 soon as I received an email notice at XXXX stating that my checking account had been closed. I informed customer service that I did not authorize this closure. Customer service could not tell my why my account was closed, and customer service refused to reinstate my checking account even though I informed them that I did not authorize closure and that I had multiple sources of income linked to that account via direct deposit.
I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

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