WillisBack/dataset-financial-user-claim huggingface dataset:
I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.
Hello, I have not been using XXXX for years but they are still charging my account with increasing amounts. XXXX is charging my XXXX account for the services I 've never requested or used. I called them and they returned my money without any problems and agreed that I should not pay for unwanted services, such as web site building applications I never used or requested. That is why I decided to stop XXXX from taking unauthorized amounts from my XXXX. Instead they added together random amounts, put them on my credit I never had with them, and started harassing me sending threatening letters, then sold this fake debt to the collection agency who started sending me harassing letters and threatening to ruin my credit. Please stop it immediately and return all money I paid to XXXX for fake services I 've never used.
Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.
Throughout the second half of XXXX, I received multiple credit card offers from HSBC Bank related to my high credit score. Multiple offers were received from HSBC for an HSBC Cash Rewards Mastercard. On the advertising " pre-screened '' offer, it stated a 0 % Introductory APR in bold red lettering. A similarly looking offer was received for the same colored and designed credit card, an HSBC Platinum Cash Rewards Mastercard. Both offers offered {$150.00} cashback for spending " x '' number of dollars in the first 90 days of account opening. One of the offers stated XXXX points that equaled {$150.00} cashback. After multiple solicitations I decided to sign up for the card in XX/XX/XXXX that included 0 % introductory APR for 15 months for purchases and balance transfers. Or, so I thought. I spent on the card according to a planned project for those stated terms. 

In late XX/XX/XXXX I received my first statement showing a 14.99 % APR on purchases. At this point the total I accrued on the account was based upon a payment plan to pay off the full balance in early XX/XX/XXXX. 

On XX/XX/XXXX I spoke with multiple representatives at the company who defended the fraudulent advertising practices, even referring to the website to review the offers attempting to make me believe it was 0 % for 15 months on balance transfers. I received a paper offer ( multiple to be specific ) and this is not how the advertising read or what was expected based upon the advertising. 

To date, I have never used a balance transfer in my life and did not plan to do so. The credit card was signed up for and used according to the 0 % Introductory APR for purchases and transfers offer I believed I was getting. The Cash Rewards and Platinum cash rewards card design are nearly identical in nature and the terms are similar except for the purchases clause. 

The attached document is an example of one solicitation letter, but not necessarily the one attached to the sign-up I used.
i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.
I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
When I am late on my mortgage payment to Wells Fargo I have in the past added the late fee, which is {$25.00}, so that I am current. For the last 3 years I have had to battle with them to get them to record this as a late fee instead of subtracting it from my loan balance. When they do that they say I owe the fee and it just piles up. I call them to tell them to fix it and all I get is it will be done but it rarely gets fixed. They say I owe {$200.00} now in late fees but the truth is I owe only about {$75.00} because I quit making those payments when I realized nothing was getting done. I have been into the branch to make my payments and told them to make sure that it gets credited as a late fee and still when I get my notice the next month it is still showing I owe the fees. I can not be the only one this is happening to.
My debit card was fraudulently misused. I lost my debit card, and before I could discover or report the loss, there were several unauthorized debit and credit transactions made to and from my checking account. I made a police report of the unauthorized uses of the card and forwarded the police report to the financial institution, HSBC, without any positive recourse to date. 
I have spoken with HSBC customer service telephone bankers, the manager of the HSBC branch, where I initially open the account, banking agents in the bank card security division, banking agents in the fraudulent investigation unit, and agents at the XXXX corporate office. 
On XXXX XXXX, 2016, my bi-weekly paycheck was directly deposited into my HSBC checking account. As per my monthly requirements, I attempted to pay my monthly car insurance and note, and to my dismay, I discovered that my entire paycheck had been depleted and I had a negative balance in my checking account. 
I immediately reported the incidents to the bank card security division of HSBC bank and requested an investigation of the debit and credit transactions observed on my e-statement. To date, I have received no help from HSBC in resolving the matter. 
The investigation has become circular, as I am being referred to multiple HSBC units, without any proposed or possible avenues to commence a resolution ; other advice or assistance, yet I am being hounded daily with telephone calls from HSBC collection department seeking repayment of the monies fraudulently credited and debited. 
The checking account statements for the months of XXXX and XXXX 2016, evidenced both unknown fraudulent debit and credit transactions. The possible explanations given by HSBC for the debited transactions are ambiguous. One banking agent indicated that the deposits were a draw down on an attached overdraft credit line ( of which I have no prior knowledge, nor from which I had ever resourced funds ). Another bank representative stated that deposits that appear on the statements were due to attempts to deposit fraudulent checks. 
The alleged fraudulent deposits referenced took place over XXXX miles away from my hometown. These supposed deposits were not made by me or any authorized agent on my behalf. I have no knowledge nor can I offer any possible explanations how they occurred. 
Additionally, there were several ATM withdrawals and merchant transactions of which I have no knowledge nor can I offer any possible explanations how they occurred. 
I would like to file a complaint with the Consumer Financial Protection Bureau, of the Federal Deposit Insurance Corporation and the Attorney General Office of New York, but I need evidence to support my complaint. I need copies of any and all steps taken by HSBC to investigate the fraudulent debit and credit transactions. 
I lost my entire bi-weekly paycheck as well as I am being held liable for the overdrawn fees, charges and balance. 
I am a valued and long-term customer of HSBC. I need help in discovering the source of the fraud and removing the cloud over my credit history. The best solution would also include restoration of my paycheck.
I got a foreclosure letter in the mail, states, that I was behind on my mortgage and it's up for sheriff sale on XX/XX/XXXX. I called the mortgage Bank company to see what can be worked out before XX/XX/XXXX of the sheriff sale, the mortgage company told me I can try to work out a modification or either a short sale. I then called a realtor to see if they could sale my property, the realtor said they would reach out to some potential buyer 's that they knew might be interested in my property, the realtor reached out and got a respond back, of interest for my property with a offer. which then the realtor called me roll playing the offer and I agreed they follow up by sending me the documentation of agreement to sign, I then signed it and gave back to the realtor for the interest buyer, to get the ball rolling '' to sale ''. the realtor gather up the signed document of the agreement and contract, they send it off to the mortgage company bank to close the deal and the mortgage company bank rejected the sale and reply denied on accountability that it was to close to the sheriff sale date and they will see me in court on XX/XX/XXXX, I was clueless and the realtor was too.
New York Community Bank transferred my loan to another servicer XXXX XXXX Mortgage XXXX without providing me adequate notice ( less than 15 days XXXX. When I called XXXX to request more time to access and retrieve my records about Escrow Payments, Insurance Payments, and Annual Interest paid, they were unwilling to help me in any way. They reiterated that in 10 days I will lose all access to their system. The new servicer does not have any of my records yet, and could not promise that they would be in place by XXXX when my XXXX account will become inactive. I asked if they could mail me documentation or allow me to extract my records in PDF format, and XXXX said that they would do nothing for me, and were completely uninterested in speaking with me - eventually, the person on the other end of the phone just went silent and stopped speaking to me. I expressed my concern that this was creating a lot of stress and extra work for me in a very short window, and that I had concerns about my ability to pay my taxes without records to support or dispute a XXXX from the bank - again, complete silence on the other end of the phone. New York Community Bank should not be allowed to treat customer this way - presumably they are transferring my loan because of some benefit to the Bank, so I am suffering for their benefit. I was a model customer, I never made a payment late, or caused any additional costs or concerns for the bank during the life of the loan, and now they are violating the guidelines for a transfer and incurring me additional costs, so they can benefit.
XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and Department of Education ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. AroundXX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ XXXX/ Experian continue to allow  for the information to be removed and replaced back on my credit report.
I have done a dispute requesting validation and verification requesting my signature, i have not received a response from the creditor and nothing has been deleted from my credit file. It has been well over thirty days of my dispute.
I received repeated phone calls from Kohls Department Store collections. They left prerecorded voicemail telling me to call XXXX at the following numbers and times : XXXX - X/X/17 XXXX XXXX - X/X/17 XXXX XXXX XXXX - X/X/17 XXXX XXXX X/X/17 XXXX XXXX X/X/17 XXXX XXXX - X/XX/17 XXXX XXXX - X/XX/17 XXXX I communicated to them that I would like only written notices from them concerning my bills but continued to receive calls.
his goes to XXXX and EQUIFAX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular XXXX XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX, I was an authorized user only in XX/XX/XXXX-XX/XX/XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX XXXX not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both XXXX and EQUIFAX are in direct violation of conspiring to embezzlement with XXXX XXXX by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling XXXX and EQUIFAX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX XXXX was removed you allowed them to go bank on costing me over XXXX points in one week combined with both crediting companies. I Am building a huge case against XXXX XXXX for several other issues, if XXXX wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest XXXX and EQUIFAX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX XXXX CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost XXXX and EQUIFAX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX XXXX is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -
To Whom it may concern I have sent Multiple Inquiry removal letter on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via Certified mail to XXXX, Experian and XXXX. The request I submitted included information on 45 inquiries ( Experian ) 49 XXXX XXXX XXXX and 25 ( XXXX XXXX Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
My Transunion credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file
I complained to CFPB and suffered retaliation for doing so. Specialize Loan Servicing SLS claimed to help me but instead caused more grief. When I call them and enter my loan number it would just hang up on me. The clocks ticking and it appears I have no case manager. SLS was purchased by an XXXX parent company -- I guess they are outside of XXXX regulators.
My wife and I consolidated our student loans in 2010. They advised us to list my wife, XXXX XXXX, as first on the loan, because her credit score was higher. However, they neglected to tell us that consolidating the loans, with her name first, would prevent us from taking advantage of student loan forgiveness for teachers. I don't make much money, and I am a teacher in a school in a high poverty area. I should be able to get student loans forgiven, but I can not, because the loans are consolidated and my wife 's name is first. I am doing a service to society by working in a poor school for 12 years, and yet I can not get the financial benefit for doing so that I ought to be eligible for.
Key Bank is processing debit transactions before credit transactions. In 2013 the CFPB said that the largest banks were processing credits before debits to avoid material losses to their client base. I feel that this process is deceptive, and not fair to their client base. 
Example : Account balance @ Key Bank : {$0.00} Mortgage Coming out @ Key Bank : {$800.00} OD/NSF Fee Assessed @ Key Bank : {$38.00} Direct Deposit going in @ Key Bank : {$1000.00} Ending Balance the next morning : {$160.00} At any other bank you would have {$200.00} because they would have credited your direct deposit before taking your ACH mortgage out. 

Additionally, their systems allow for the mortgage to actually be returned as well if no one is available to manually pay the item with the direct deposit still sitting there. This potentially causes an entirely new set of problems via foreclosure and such.