WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I took out a federal funded consolidated student loan to put our son through college. Our initial loan in XX/XX/XXXX was for {$120000.00}, now on XX/XX/XXXX is {$130000.00}. Also, in total we had a XXXX loan, XXXX loan and XXXX loan. We paid off the XXXX and XXXX loans totaling approximately XXXX. I would like to know how the loan increases and not decreases. We do n't mind paying off the loan for a college education, but paying {$170000.00} in interest is ridiculous. I have written to XXXX XXXX ( Navient ), Senator XXXX XXXX, XXXX XXXX XXXX Department of Education, Senator XXXX XXXX, XXXX XXXX, XXXX XXXX, President Barack Obama and the XXXX with no help, just automated letters received. I went to XXXX to see it I could apply for a loan and an interest adjustment and they told me that because my husband did not have a college education, they could not give me a loan. We are middle class and struggle every month of make the payment of {$1000.00} for this student loan. My son also has his own loan with XXXX XXXX for XXXX. He lives on his own out of state and struggles to pay something every month, and is always being harassed by them.
Receiving multiple robot calls every day 7 days a week the company nameSynergetic Communications receiving robot calls harassment 7 days a week all day long synergetic Communications
southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.
My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.
To Whom  It May Concern,  I have an account with  XXXX   Student Loans ( Federal ) I recently had an informative phone conversation with a represent ative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX   XXXX   over 60 days after I had a payment due. As a result, the late payment was reported to my   credit score.
On top of that, my email and phone number were not update  d with  XXXX  Thus, I was not receiving any communication.  ( I have since updated both my phone number and email address ).
In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. 
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. 
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. 
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. 
XXXX XXXX XXXX was non responsive to any attempts at communication. 
XXXX XXXX  XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.
Equifax is one of the three main credit reporting bureaus in the United States, maintaining a database on millions of individuals. On XX/XX/XXXX, Equifax announced a security breach comprising of personally identifying information ( PII ) of approximately 143 million individuals. According to their statement, they learned of the breach on XX/XX/XXXX. According to their website set up in response to the breach, I and my wife are two of the millions of affected individuals.
I am particularly incensed by three things : 1 ) A business relationship with Equifax is not optional in modern society. If you have ever paid a utility bill, or had a bank account, or applied for a job, Equifax likely has some information about you. Given that they are inescapable, they should be held to high standards that they clearly failed to meet. 

2 ) That no notification was made by the company for 40 days after the breach was notified. Identity theft does not take 40 days to happen, and neither should notifications of a failure of this magnitude. 

3 ) Equifax 's security measures are clearly lacking, both in allowing this breach of the public trust and millions of people 's PII, but also in the hastily constructed websites in responses to the breach.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/2018, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/2018, they still have not answered me.
XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me
On XX/XX/2018 I tried to register my citi credit card online. I lost the old card so they put my online account access on hold. After talking to different customer service provider who transferred me to technical support. First time I waited 30 mins and the second time I waited 1 hr and 12 mins to get some one to help me. After filling the complaint about wait time and issue not being resolved the second rep assured me that its fixed. After getting of from the phone call I tried to register the new card and get my online access which didnt work and issue is still pending. I cant access my online account and cant make payments. The citi bank is charging me extra to make the payment over the phone. Its not fair for them to not fix my issue and use an excuse to make extra money by forcing me to make a payment over the phone.
I SENT TRANSUNION A LETTER AND THEY DID NOT RESPOND TO IT ENCLOSE IS THE LETTER I SENT THEM WITH MY CERTIFIED MAIL RECEIPT. I WOULD LIKE SOMETHING DONE ABOUT THIS MATTER ALL OF THE OTHER CREDIT BUREAUS HAVE RESPOND BUT TRANSUNION.
my husband has a student loan that in  XXXX  different agencies, still default but  XXXX  of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd )  so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford (  {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you
I 'm a victim of identity theft and Equifax refuses to remove these XXXX accounts from my credit file with is in violation of section 605B. I just do n't understand the logic behind this or what 's going on! How does this law protect me if the bureau does n't abide by it? I never received any documentation proving ownership, I receive statements that these are mine and that they have been verified. How were they verified? Where 's the documentation? Where 's the original contract with my signature? Who did they speak with? What was the date? Was it via email, phone, fax, etc.? This is not fair that someone can steal my information and utilize it like this! Someone obtained medical services with my information and then did n't pay it. Someone opened an auto loan with my information by walking into this dealership with my pieces of identitification and they left there with a vehicle. They can repo the car! I do n't care because I do n't have it! I never had it! I want this information off of my credit file immediately and I have no problem making a complaint with the Attorney General. Actually, I 'm going to do that right now.
Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!
I have a NFCU auto loan that is not even 15 days past due. I get paid on the end of the month so I always pay the same month it is due. 
NFCU takes money form my checking or savings without my knowledge and applies it to this loan. 
Not only do they take any money that is in my account to apply it to partial payments, they charge me a late fee and overdraft fee 's after doing it. 

I tried to call and discuss this and was told it is a legal practice. I have a {$270.00} payment and they took {$37.00} out of my checking today which was the last amount that I wrote a check on the day previously so now I get a late fee and I also get bounced check fee 's because I did not know they were taking this out. 

thank you for looking into this. 

XXXX
XXXX, TransUnion, and XXXX  were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...
Equfax security breach of my credit and millions of others. I am trying to place a freeze on my credit and you can not get through to these idiots. I have called the newly established 800 number and finally got though. He gave me the number of XXXX to call to place a freeze. 

I called the number and finally got through to an automated answering service, got through the menu and then when it transferred me to a live operator, I got a busy signal and no way out but to hang up and start over which I did. This time when it transferred me to a live person, I then got the message that it was not a working number. It 's their menu and their system and they are transferring me to a non working number? 

So I have now made three attempts to call the original XXXX number and ca n't get through. The phone gets answered. Then the music plays while I 'm on hold. Then the music stops and the line is dead. I hang up and try again. And again, and again, and again and you get the picture! 

I am livid! I go out of my way to protect my identity and my credit and these bozos allow my information to be stolen and now I can not get through to them to freeze my credit. I am XXXX.
I signed up for an American Express " Everyday '' credit card advertising no annual fee. The explicit terms of the offer were 10 % back at restaurants for 6 months ( up to {$2000.00} ), as well as {$200.00} cash back after a {$2000.00} spend. I was approved for the card onXX/XX/XXXX. I called American Express to confirm this bonus, and was explicitly told ( during a supposedly recorded conversation ) that these were the terms. I easily met this criteria, but received no bonus. 

Furthermore, American Express signed me up for a *different* card with an annual fee that was immediately charged. While I expressed my concern to them about this, since I was told that I would receive the sign up bonus I did not cancel the card and paid the annual fee ( +interest ). 

I called AmEx many times and used their online chat feature 5 times. Each time I was told that I would be contacted within 7 days. I was never contacted at any point and always had to initiate contact. 

One of the times I was on chat, I was told that the investigation was closed, in my favor, and I would receive a credit soon. 

On XXXX I was told over the phone that I did receive a {$280.00} credit on my account, as I was supposed to. I looked and this {$280.00} credit was entirely unrelated to a sign up bonus but instead dealt with a hotel cancellation refund -- with no relation to American Express at all other than it being the card the payment was made to and the refund was sent to. 

Today (XX/XX/XXXX ) I was told that while the complaint was escalated, there was no sign up bonus on my card. This is directly contrary to their marketing and why I signed up in the first place. This is directly contrary to what I was told by an American Express representative on the phone the first time I called. In sum, all of this is misleading and blatantly deceptive. 

All of this should be in American Express ' records.
In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade  Commission ) rules and regulations, XXXX  Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and XXXX  Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX XXXX XXXX, XXXX XXXX, and XXXX   credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.
I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on
I CALLED XXXX CHASE BANK SPOKE TO A REP FROM THERE THAT WAS VERY RUDE AND NASTY TOWARDS ME WHEN I WAS TRYING TO REPORT FRAUD ON MY ACCOUNT. I TOLD HER THERE WERE SEVERAL CHARGES ON MY ACCOUNT AND I DONT KNOW WHO THE MERCHANT IS AND NEVER AUTHORIZED THESE TRANSACTIONS TO BE PROCESSED. THE REP FROM XXXX TOLD ME THESE ARE TO OLD TO LOOK BACK AND SHE COULDNT HELP ME. IM A ELDERLY MAN AND I DO FORGET TO CHECK MY STATMENTS I JUST PAY THEM. WITH THE HELP OF A FRIEND WE SAT DOWN AND WENT OVER OLD STATMENTS AND FOUND THESE CHARGES AND THATS WHEN I KNEW I WAS PAYING FOR THINGS I NEVER KNEW OR AUTHORIZED SO MY FRIEND AND I CONTACTED THE XXXX COMPANY. I WILL LIST THE CHARGES AND DATES SO YOU CAN SEE HOW MUCH MONEY WAS TAKEN FROM MY ACCOUNT ; XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX THIS IS ALOT OF MONEY THAT WAS FRAUD ON MY ACCOUNT. PLEASE HELP ME
I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls.
I HAD A XXXX I HAD XXXX COVERAGE ON THE ACCT THE BANK XXXX XXXX REWFUSED TO ACTIVATE THE INSURANCE THAT SHOULD OF PAID THE ACCT THEY HAVE SENT THE ACCT TO A COLLECTIONM AGENCU MEANS THE BANK HAVE COMMITTED FRAUD THEY SHOULD BE PUNISHED
I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.
The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.