WillisBack/dataset-financial-user-claim huggingface dataset:
I have a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.
The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.
My ex wife XXXX XXXX applied for a student loan and added me as a cosigner without my consent or knowledge. Once I became aware of this unauthorized account I filed a police report and contacted chase, initially chase requested copies of the police report which I submitted twice which they said they never received. A few weeks back I attempted to contact chase again, I submitted all paperwork which included copy of my driver license and my signature to show the signature on the application was not mine, they wrote me back asking that I get the paperwork notarized and resubmit which I did. They then responded by stating they find the account to be mine. I asked how did they come to this conclusion, what investigation method was used, but they failed to respond. I have asked my ex wife to please contact chase and claim sole ownership of this account, she said it not on her credit report therfore it does not concern her. I have never attended college and I have never applied for a student loan.
I have disputed several times a debt from  Wells Fargo   XXXX   XXXX    yet it still remains on  XXXX  of my credit reports   XXXX   and  XXXX  it was deleted from  XXXX . I disputed it as I do not know this account and I do not as it was not my account It clearly states on both reports that I was an authorized user only which according to the law makes me not responsible for this account. I called to speak with them on  XXXX / XXXX /  XXXX   was told they could not find an account with my ssn and to call another department to check. Called that department was placed on hold and transferred several times before being transferred the last time after being told I was in the wrong department, without getting warm transferred nor given the number it took me to a place asking for an account number when I could not answer the ivr because I do not have an account with them was hung up on.
Checking Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$10000.00}, but the bank holds that check and refused to give me my remaining balance until now. The bank claims that I have to bring all the people who had sent me money to me for the past 3 months to the branch, to verify their identity, so they can release the money to me. However, there are few people live in other states or out of the county right now, therefore, I was unable to bring them to the branch in person. I tried to call the bank several times but they still refused to give me my money back.
Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : XXXX, XXXX
After filing a complaint with the CFPB, the debt collection agency said to contact them directly to work out a solution. However, there has been no response to mailed or emailed contacts. I have yet to receive the information requested from either the original credit card company, Citibank or XXXX XXXX ( Law Offices of XXXX XXXX XXXX, XXXX, XXXX, GA ). I think that the paperwork I requested will show that the accounts was closed prior to the date reported and at a lesser balance. Please help. I made efforts to pay this debt and am still being penalized.
They called me, then asked me to give my phone number so they could identify me. I refused, since they called my number they should know what it is. It seemed to be about debt collection, but I have no unpaid or overdue debts. Now I get a call from the same number at least once per day, but no one is on the line when I pick up. THe phone number they are calling from is XXXX
I have made repeated attempts with XXXX XXXX to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.
The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.
For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.
My loan was serviced by XXXX. I applied for, and qualified for, the law enforcement cancelation for my Perkins loan. I am an attorney working for the XXXX XXXX  Staff of the California Supreme Court. My sole responsibilities are to review, conduct research for, and assist the judges in criminal death penalty appeals. My loan was transferred to XXXX XXXX I applied again for the cancelation and was notified on XX/XX/XXXX, that my claim was denied because they state I did not qualify. The terms as posted on their website at XXXX XXXX XXXX state : " To establish the eligibility of a borrower for the law enforcement or corrections officer cancellation provision, the school must determine that ( 1 ) the borrowers employing agency is eligible and that ( 2 ) the borrowers position is essential to the agencys primary mission.

1. A local, state, or federal agency is an eligible employing agency if it is publicly funded and its activities pertain to crime prevention, control, or reduction or to the enforcement of the criminal law. Such activities include, but are not limited to, police efforts to prevent, control, or reduce crime or to apprehend criminals ; activities of courts and related agencies having criminal jurisdiction ; activities of corrections, probation, or parole authorities ; and problems relating to the prevention, control, or reduction of juvenile delinquency or narcotic addiction.

Agencies that are primarily responsible for enforcement of civil, regulatory, or administrative laws are ineligible. However, in recognition of the fact that the activities of many divisions and bureaus within local, state, and federal agencies pertain to crime prevention, control, or reduction, or to the enforcement of criminal law, the Department has determined that a sub-unit within a larger, non-law enforcement agency may qualify as a law enforcement agency for purposes of a law enforcement cancellation.

2. For the borrowers position to be considered essential to the agencys primary mission, he or she must be a full-time employee of an eligible agency and a sworn law enforcement or corrections officer or person whose principal responsibilities are unique to the criminal justice system and are essential in the performance of the agencys primary '' Specifically : " activities of courts and related agencies having criminal jurisdiction. '' I contacted Heartland several times the week of XX/XX/XXXX. I was told by the representatives that I did not qualify. I requested to speak with a supervisor and was told on Wednesday XX/XX/XXXX I would receive a call in 48-72 hours. On XX/XX/XXXX I had still not received a call and contacted Heartland again, I was told I would receive a call by XXXX  est. At XXXX  est I had not received a call and again contacted Heartland. I was told that an attempt to make a call was made at XXXX  and the caller received a busy signal. I was not on the phone at that time. Furthermore, the number was a cell phone which has call waiting, so they should not have received a busy signal, at worst a voicemail. I was then told that I would have to wait another 24-48 hours. I am still waiting for that call.
I believe Wells Fargo underwriters practiced discriminatory lending and are in violation of Fair Lending Laws by encouraging a high-cost loan option and disqualifying me of a competitive loan despite my credit qualifications. 

I am in the process of purchasinga home for my mother in the XXXX XXXX area XXXX XXXX XXXX XXXX. I live in XXXX CA.  My mother was given the opportunity to purchase the home she is in ( or given 60 days to move out ). She has been renting the home for over 10 years at a rate that has never gone up, despite the rapid increase in the cost of living in her area. However, she is low-income, and does n't qualify for the complete funds needed to purchase her current home on her own income. After researching various options, we were told by Wells Fargo I can purchase the home for a low interest rate, low down payment and monthly payments if I could live in the home. 

After 45+ days of submitting the same documents repeatedly, we were finally informed that I was denied because Wells Fargo underwriters were " unable to verify ( current ) residence. '' Wells Fargo originally requested to verify that I was n't currently living at the home, which I provided evidence ( tax records, employment location in the XXXX XXXX, a written and signed statement ). During a phone recorded verbal denial, I was told that Wells Fargo wanted me to use an investment loan for the home, which would have a higher interest rate, a larger down payment and higher monthly payments, something my family could never afford. 

I am concernedabout this for a few reasons. First, the home is in a predominantly low-income XXXX neighborhood AND we are working class XXXX XXXX. Although I have excellentcredit ( e.g- high credit score, no missed payments, track record of owning a home and paying on-time etc. ), I was denied a competitive mortgage loan and was told the underwriters wanted to do the loan as a less affordable option. Secondly, the denial reason is vague, and when probed for additional details I was denied by several representatives. The lack of a sound denial explanation and the makeup of the neighborhood along with Wells Fargo 's long standing issue with providing fair loans to minorities proves as further evidence that their intentions were never to offer the competitive loan, but to coerce our family into a more costly loan in the long-run. This issue has since been escalated up to the discriminatory division at Wells Fargo, but I have not been able to get a responsive.My mom has already undergone several hospital visits as a result of the stress that this situation has caused our family. 

What we are requesting is a full refund for the fees paid to the bank totaling {$560.00} ( for appraisal ) and monetary compensation as a result of the unlawful act of discrimination experience imposed upon my family. 

I am sorry that my XXXX XXXXXXXX, and the XXXX of my neighbors makes us a bigger risk to your bank, but no bank should ever be allowed to freely and without just cause deny qualified individuals of competitive loans on the basis of their economic and XXXX disadvantage and/or of their neighborhood.
On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.
I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off, collection and sold to another company unsecured. Please remove this account from my credit report.
Wells Fargo neglected the security of my account by letting funds be removed beyond the credit limit without my consent. 

While looking for employment I was conned by a company, XXXX XXXX to make purchases for them. They put funds from a XXXX XXXX Account whose account and routing number are XXXX & XXXX into my Wells Fargo Prime Equity Account so I could make purchases for them from my account. Wells Fargo had a rule to wait 7 business days for them to clear before making the purchase which I was told to make sure the XXXX XXXX account that was depositing the money was reliable. After the 7 business days had passed I was assured that the funds deposited were good and I made purchases on that account using the Credit Card connected to the account of over {$10000.00}. Once the purchases were made and shipped, Wells Fargo allowed without my consent the funds of {$10000.00} to be taken away and put in back in the XXXX XXXX account. 

I had tried to contact the Employer, XXXX XXXX and Wells Fargo Fraud department but to no avail I was held responsible for the funds. Now Wells Fargo is not only claiming no responsibly for letting the funds go back to the XXXX XXXX Bank but they are Charging me for an overdrawn account, interest on the account and are requesting me to forward the {$10000.00} which I do n't have or face foreclosure. 

Wells Fargo, the Federal Trades Commission and the XXXX have information on the employer and the XXXX XXXX Account, however either have made a move on the going after the employer or the bank. I do not have the authority to do so. I only ask that Wells Fargo the FTC and the XXXX work to get the stolen fund of {$10000.00} back.
So after paying my mortgage and homeowners insurance for years. No major claims. fighting with the insurance company for over a year ( XX/XX/2017 ) for damages caused by hurricane Irma. Finally got a fair settlement after getting a lawyer and went through litigation process. Bank Of America wants to make the process even more difficult by implementing a process that makes no sense and only disrupts the homeowner negatively. Rather than simply endorsing the insurance payment check. BOA wants me to send it to them. So then can place the proceeds in a interest bearing account. I need to now send them all the insurance paperwork for the claim ( the insurance company has this information. why not contact them? ) The adjuster report and a contractor information before they endorse? Where was BOA a year ago when there were damages to the property? if i filed no claim and report no damage BOA would have no clue. so why do BOA want to take the insurance proceeds and place into an " interest bearing account '' while verifying repairs are done??? Mind you i would have to pay taxes on the interest. so why an interest bearing account?? How is this beneficial to the homeowner? this only Benefits BOA. Is this another way for financial institutions to rob hardworking honest people of their rightful claim and peace of mind? while fattening up their bottom line? this is money paid out by the insurance company and i find it very unfair if not mean spirited for after a whole year going through lawyers to get a fair payment, BOA   now wants to essentially slow up the repair process and possibly make money off a insurance claim payment??. Is BOA getting kickbacks from the insurance company?? I need the CFPB to really look into this process as it doesn't feel right and look right. And again, anything related to the claim that they want to verify, I am sure they can do that directly with the insurance company. Again this puzzles me because its not BOA paying out the funds, it's the insurance company who have after a lengthy litigation process made the payment!
In XX/XX/XXXX, I received an email from XXXX XXXX XXXX  saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from XXXX where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXXand spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because Integra is using a third party collection agency Equitable Acceptance who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
I applied for the Wells Fargo Business Platinum Credit card on XX/XX/XXXX. I applied through a link that offered a {$500.00} bonus after spending {$5000.00} on the card within the first three months, and 1.5 % cash back on all purchases. I met the spending requirement and paid it off on XX/XX/2018. At about this time I received on offer to get 1.5 % cash back on my card. This did not make sense because I signed up for the card to get the cash back, and should have received cash back for all purchases as soon as I started spending I called to see what the issue was, they told me I didn't sign up for the bonus, although I clearly clicked the link and the rep was familiar with the bonus. The rep suggested that because I met the requirements I file a dispute, I did so on XX/XX/XXXX. When I never heard from them I called XX/XX/XXXX, they said they have still not got to the dispute and I needed to wait. I never heard from them again, so I called on XX/XX/XXXX. They again said it had not been looked at but sent it to a research reference team to see if I had met the qualification for the bonus ( which I clearly did ), and they would get back to me in 10 days. After not hearing from them for nearly a month I called on XX/XX/XXXX. At this point they gave me a case number and said I would be contacted in 24 hours. I have not heard from them. I took the initiative every time. They never contacted me back once. Every time I was told something different, however two reps told me since I met the requirements it will be honored, but that has not happened. I clicked a link to get this bonus, I have met the requirement. They have been ignoring me in hopes that I will go away.
last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do
XXXX is NOT reporting a real estate account from Union Bank & Trust, # account # XXXX. This account is 25 years old ; opened inXX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}. 

After speaking with Union Bank & Trust, they say they report to XX/XX/XXXXevery month, but this account is not listed on my credit file. The monthly bill is attached.