WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. 
My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. 
I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. 
Navient also changed my original repayment agreement without my permission. 

Thank you, XXXX XXXX
I would not recommend any type of loan with this group and wish I had gone to this site before I submitted all of my personal info to SoFi. I wanted a small loan of $ XXXX to renovate my home prior to listing it for sale. My credit rating is above XXXX XXXX. I have a small mortgage payment and minimal debt and had the money for the renovation but wanted to use the loan money instead and go through the online loan experience for a change. Big mistake. 

A few weeks after submitting my app a young woman called me on a Sunday to tell me she thought she had everything ( after I had sent most all of my financial info for prior years ) but now needed proof of income for 2016 which I sent that day. Unfortunately it did not register that I had submitted this info on the web site until 4 days later. 

I then called and called for followups for the next few weeks and would call and tell my woes to various jkSoFi employees who stated they would advise this woman who had my file to put me toward the top of the list. 

Another several days went by and I received a rejection letter from them. I was dismayed at their lack of caring and handling of this loan request. In my opinion they are not qualified to be in the loan business and are deceiving the public about what they can do. If they continue to provide the type of services they currently provide, in my opinion they should be investigated soon. Plus I do not know where all of my personal information sent nor what they are doing with it. The whole experience was disturbing.
A claim was filed on XX/XX/2016 against me in the amount of {$9200.00}. I repeatedly get phone calls regarding this matter.
Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.
This is a complaint from XXXX XXXX against Capital One for Capital One 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Capital One has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I have been paying my Navient ( formerly XXXX ) Student Loans on time now for over 12 months. I called them to confirm that I had XXXX on time monthly payments before applying for a co-signer release. They advised they needed my degrees ( copies ), proof of income which I provided. After about 40 days they sent me a denial saying I did not have XXXX on time payments I do. I have all the evidence. Apparently this company rarely if ever releases the co-signer. Their form and statements saying they consider releasing the co-signer after 12 month on time payments is a farce. My co-signer is a US Veteran trying to buy a home. Due to the student loan he was not able to get the loan amount due to his debt/income ratio. This loan negatively affected his finances. Furthermore, they continue to raise the interest making it harder to pay off the loan. I can not consolidate it and I can not refinance this loan it is like a noose around my neck and that of my co-signers. I think this agency should be investigated and possibly even sued for ruining people 's lives. I have all the evidence I am not lying.
To : XXXX XXXX XXXX My Tax Exemption I.D . XXXX. XXXX # XXXX Stearns Lending LLC. VA Mortgage Loan Payment Dispute XXXX XXXX XXXX XXXX , Tax Exemption Payment Violation ; extortion. 
XXXX Floor I am XXXX XXXX XXXXXXXX Veteran. A XXXX  XXXX XXXX, XXXX  XXXX Veteran ; according to my Mortgage Payment Location. 
I am a XXXX XXXX XXXX XXXX XXXX. 
In reference to my VA Mortgage Payment, Stearns Lending LLC. Refused to remove or deduct my Tax Exemption from Escrow Payment. Which becomes a Breach of Contract according to our Law and Constitution. Americans with Disabilities Act ( ADA ) as I clarify here-above about my Status. 
Stearns Lending LLC decided to transferred my Mortgage payment to XXXX XXXX Due to my Complaints I filed through ( CFPB ) against them and their consumer financial violation on my VA Mortgage Loan with them. This Mortgage Loan was Transferred to XXXX XXXX on XX/XX/XXXX. Made Seven payments already to our VA Mortgage, in the amount of : {$1800.00} each month through Stearns Lending LLC.

Vulnerability from Stearns Lending LLC XXXX XXXX. According to the response, and, information defending violations ; have had they done to me and my VA Mortgage Loan with my wife. It also deemed especially egregious the disregarding to my Tax Exemption through-out 7 months of payments been made. I am sincerely asking for a rectification to our VA Mortgage Loan immediately. Otherwise, it is a breach of contract violation. Including under Americans with Disabilities Act ( ADA ) Federal Law of XX/XX/XXXX. 
I consider Stearns Lending LLC action and activity to my Mortgage Payment a breach of Contract. According to Federal Law is concerned for Veterans Home loan Rule & Regulation. They might trying to Revised VA Home Loan Contract to Finagle us Veterans with our VA Home Loan Benefits Unscrupulous and Maladminister conduct by Stearns Lending LLc. I still want to see a Rectification. By Refund all my Tax Exemption money they charged me for my Escrow payment since XX/XX/XXXX through XX/XX/XXXX. If the shoe is on the other foot they will know XXXX well how it feels. Walk a mile on someone else shoe you all XXXX XXXX Stearns Lending LLC. Pardon me ( CFPB ). it does triggers my ( XXXX ) for what they're doing to me and my wife and children.
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through Wells Fargo Financial. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.

The amount this company says I owe is XXXX.

It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.

Why are they contacting me and I'm not sure if my identity was stolen. Please assist.
In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.
For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.
I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in   XXXX     I went to   XXXX   XXXX   XXXX   XXXX   and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay  XXXX  to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the  XXXX  was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in  XXXX  the Department of Education raided this school  XXXX   XXXX   XXXX   XXXX  due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in  one  of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be  discharged  or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that  XXXX   XXXX   may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have  XXXX   Loan fo r {$5100.00} and I have a  XXXX  loan for {$3400.00} totaling  XXXX  I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help.
Hi, I open an American Express XXXX credit card in XX/XX/XXXX, and it advertised that after I spent XXXX within 90 days ( and extra XXXX within first 6 months ), then I will receive XXXX points. So I open an account. 
However, I did not receive any welcome rewards points now ( XX/XX/XXXX ). I called them in XX/XX/XXXX, and they said they need to do some investigations for about 4-6 weeks. After 2 months, I still did not receive the points. Then I called them again in early XX/XX/XXXX., and they said I will receive my point within 10 days. However, I still did not receive the point, and they hanged me off when I called back. So far, I still did not receive any rewards point as they advertised or promised.
For approximately three months the funds for my XXXX loan are not being appropriated correctly. I have the same loan number for AES and XXXX. The money for AES is being accepted, but not XXXX. 

I have been dealing with AES and XXXX on a weekly basis, and was advised to enroll in auto pay ; however, after doing so my funds are still not being applied correctly. 

I have overpaid on my monthly payments for the past several years, and I am now in a place now where they are not accepting the payments or correctly applying the payments where they need. I believe that I have done everything in my power to resolve this issue, yet, they keep advising me to send more money, but still not being applied correctly.
I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.
I called Trans Union on three occasions about hard inquiries on my report. There were 59 of them in a 6 month span, and I advised them that I may have had only five of  them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
The following is in reference to a new complaint against " Shellpoint Mortgage '', as for the previous one was completed. I contacted their Loss Mitigation Department on XXXX XXXX, XXXX, and spoke with representative " XXXX XXXX '', in reference to the following matter : I requested a Release of Mortgage. This loan was discharged in Bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/XXXX. The account is closed. It needs to be updated as " Cease & Desist ''. I was advised by " XXXX XXXX '' that she would escalate this to the proper department, and to allow approximately 30 days for further review. Since I had not heard back from them, I decided to reach out to the Loss Mitigation Department again on XXXX XXXX, XXXX. I was then told they could not discuss anything with me, that I needed to have my attorney contact them. I explained I did n't have an attorney, nor should I have to retain one for this matter. They then proceeded to transfer my call to a " bankruptcy department '' with a voicemail, where I was unable to speak to a live representative. I have left numerous messages with no reply. As a result, I am left with no alternative other than to reach out to you again for assistance. I want to resolve this matter, so as to be able to purchase a home in the near future. I would appreciate your assistance. Thank you in advance.
Complaint against Wells Fargo Dealer Services, will not give payout on car loan, filed on my credit report repo on my car and deleqaunt on car loan not so now ca n't even get enough to refinance with another institute, many many phone calls, the rudeness is appalling and down right a personal attack.
i received an alert on my XXXX & XXXX credit report that a collection was added on X/X/2017. The company Enhanced Recovery Co LLC and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit reports immediately and be given the opportunity to dispute this alleged debt.
I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.
I reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
My credit data and pii was released and shared improperly. I am now at high risk to identy and credit fraud.
I opened a Citibank regular checking and savings account on XX/XX/18 under a {$400.00} account opening promotion after meeting certain requirements. The account was approved on XX/XX/18. During the account opening process, I transferred {$14000.00} and {$100.00} from an external bank account into the Citi 's checking and savings account respectively. I received my debit card late XXXX and made a {$500.00} deposit via Citi 's Mobile Check Deposit on XX/XX/18. Then around mid-XXXX, I received a physical check for {$14000.00} from Citi. I try to login to my account online to research the strange check but was unable to access my account. All of my access to Cit 's credit card account were locked as well at this time. I contacted customer service for support on XX/XX/18 and a rep explained to me my account was closed effective XX/XX/18 without providing a reason and stated they already sent me a physical mail to explain the actions. He hinted that it has something to do with the overwhelming demand for the {$400.00} account promotion. I told him I have not received the letter and would like to get an explanation. He keep on repeating that the account is already closed and there was nothing he can do. Unfortunately a Citi branch is XXXX miles away so I could not visit a branch for assistance. I deposited {$15000.00} into my Citi accounts but only received a check for {$14000.00} without interest. The interest on these accounts are 0.03 % and 2 %, respectively. When depositing the {$14000.00} check from Citi, there was a 7 business day hold. Even though the deposit method is the same, I have not received the {$100.00} from my savings account and I am also missing {$500.00} from my checking account. The phone rep stated they have already issued {$600.00} credits to the original banking source and it has been almost two weeks and I have yet to receive the money held by Citi. Due to the held funds, I have incurred financial hardship to pay my bill and was charge with {$32.00} in NSF fee by another financial institution. I have met all the requirements under the {$400.00} bank account opening promotion except the account must stay open for 60 days. Citi closed my account on the 44 day to reneg on the promotion.
I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wfds XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now com XXXX XXXX Srng XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.