WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. 

In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. 

I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.
In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this debt.
There is not enough information that this debt is mine, I have already disputed 2 times and Portfolio Recovery Associates can not fully verify this debt with a signature which makes it invalid.
Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers.
I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.
I submitted a request to consolidate specific loans to create a direct consolidation loan. Either dept of ed or Navient ignored my clearly typed application which listed the exact loans to consolidate and the XXXX loans to exclude from consolidation ( on separate forms with clear labels ). This resulted in the XXXX Perkins loans being consolidated with my other federal loans and I have lost my benefits to defer these loans under the Perkins Loan request for deferment prior to cancellation, as I am employed as XXXX at a XXXX. Now these loans are accumulating interest that will increase my overall debt to be paid while Navient and Department of Education have said they are addressing the error, after calling 15 times and talking to different people who accused me of submitting one form with all of my loans listed. I finally have in writing, via email from Navient, " Hi XXXX. 

We have requested for the Perkins Loan to be unconsolidated. We have to get approval through the Department of Education. Once the approval is received, the loan can be unconsolidated. 

It is a time consuming process which we have no control over, but I wanted to let you know we are working on it. 

Regards, cid : XXXX XXXX Loan Consolidation Specialist, Loan Consolidation Department Navient XXXX, XXXX , IN XXXX XXXX XXXX FAX '' That email was sent XX/XX/2016 and I have not been able to get anyone on the phone from this department to check on the status. They have not returned my calls after leaving messages. And furthermore, because I am a XXXX working for a XXXX, I qualify for Federal Loan Forgiveness, for which 120 qualifying payments will forgive my loans. But payment on this direct consolidation loan ( incorrectly ) will not qualify because this will be a different loan after they de-consolidate the XXXX federal perkins loans. The fraud is absurd in this organization, I am drowning in XXXX dollars of debt and the only light is that I can work towards federal loan forgiveness over 10 years, and loan deferment and cancellation over 5 years of my federal perkins loans. I have never felt so helpless. I attended XXXX University for my XXXX 's, from which my Perkins loans were disbursed. I then attended XXXX University for my XXXX for the large majority of my other federal loans.
In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.
We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from Constar Financial Services, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from Constar the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents
I want to first and foremost thank Transunion for processing my dispute recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if the finished processing my dispute because the 1 old account which has had no activity on it for more than 7 years is still on my file and affecting me. the account is labeled XXXX ( XXXX XXXX XXXX XXXX ).  This account should be deleted like the other one which they were so kind to remove. I would like to have it deleted for premium accuracy please. I have no lates on this account and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section ( which I have linked to this complaint. I am coming here to hopefully expedite this situation because I am attempting to purchase a new home and this inaccuracy and old account is not letting me make that purchase through the bank. 
My con cern is that it has no lates or delinquencies and yet it is saying on my credit report with Transunion that I have a LATE account, which I do not so somehow this account is not registering accurately on my general profile with creditors and this is tremendously damaging for me.
To whom it may concern : I have filed 3 disputes just this year with Equifax, and 2 disputes with XXXX  and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to Equifax on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX  or XXXX and its well past the 30 period. I am submitting this complaint for Equifax due to lack of investigation into my original dispute and to XXXX and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
I only owe {$33.00} they have n't showed that I been paying on this collection
Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.
I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.
Hi, My name is XXXX XXXX and have been a customer at XXXX XXXX for the past couple of years. Last XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cell phone. The concerned pay check in discussion is check Number XXXX, CITI BANK for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cell phone. 

In the month of XX/XX/2019, I found that {$1800.00} had been cut from my XXXX XXXX account. After inquiring with XXXX XXXX officials, I learnt that the above mentioned pay check XXXX was submitted at a Citi Bank branch on XXXX. I tried to speak to Citi Bank officials but they said they could not do anything since I was not their customer. I testify here, as I repeatedly told both XXXX and Citi bank, that I never used or made use of any other party to submit the pay check at Citi Bank. 

I called and met in person with XXXX XXXX officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. I consider myself to have been cheated by theft. One,  Citi bank issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Citi bank took money from XXXX XXXX .Second, XXXX XXXX cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. 

I appeal to the bank CITI BANK ; XXXX XXXX officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX
I have applied for a loan modification with Bank of America for the mortgage on my home. Bank of America is currently charging me a 9.5 % interest rate and has charged a very high, predatory rate on my loan for years. I have applied for loan modification assistance several times over the years only to be told repeatedly that my paperwork was not received when I had in fact mailed in the paperwork repeatedly in an attempt to complete the process, only to find out, I was just being given the run around.No matter how many times I completed the paperwork ( at least 10 ) and the hours I spent on the phone, they never completed the process but gave excuses to put me on a chase instead. 
I recently mailed all documents again for loan modification and they responded with a statement saying I do n't qualify because my gross monthly income is too low. The amount they have listed as my gross monthly income is incorrect despite numerous documents Ive sent documenting my income. 
Their indicating that based on my income, I ca n't afford a lower payment but allow me to continue a loan with their company at a higher payment, which to any reasonable person makes absolutely no sense. 
This is just another attempt at a stall tactic to take advantage of a customer, by stating incorrect financial information so they can justify not granting me a modification and keep me at a very high, predatory rate. No matter how often or how many times I send in information and follow the steps, they come up with in an invalid excuse not to help ; this time it is incorrect income information that does n't match the income information I sent in. They simply do n't want to modify the loan but would rather continue their predatory lending practices and take advantage of consumers.
I received an XXXX AAdvantage bonus offer from Citibank and I chose to open a Citigold account over the phone on XXXX/XXXX/2016. The promotion with Promo Code XXXX stated that I will receive XXXX bonus XXXX miles 90 days after meeting the requirements of making more than {$1000.00} purchase using the Citigold debit card and making 2 bill payments. 

I have completed all requirements on XXXX/XXXX/16 and was contacted by email, with investigation ID XXXX, confirming that I will receive my incentive 90 days from the date the qualifying transactions, which is XXXX/XXXX/16. It is XXXX/XXXX/16 when I am filing this complaint and Citibank has yet to respond to my recent inquiries about the bonus since XXXX/XXXX/16. 

I hope CFPB is able to investigate into this issue and forward necessary information to Citibank, hopefully to clear any of their barrier and process the bonus as promised.
I have student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.
I recently checked my credit score, it went down XXXX points since XX/XX/XXXX. While I was reteaching what happened and why, I noticed an increase of {$10000.00}. I then visited my account information on my mortgage holders website and saw this same dollar amount. US Bank called it a " Recoverable Corporate Advance ''. I contacted them but no one could explain what this was or why but that it was mandatory. What does this mean?
I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.