WillisBack/dataset-financial-user-claim huggingface dataset:
We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. 
However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. 
I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. 
This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. 
MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing.
Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.
I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!
Despite my sending a letter prohibiting calls to my place of employment, and notifying collector that my place of employment does not permit such calls, debt collector continues to call my place of employment
I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized. 
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm. 
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN. 
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!
Nationwide Credit Corporation refused to give a receipt on medical debt paid unless I wait 30 days and then call them back to make the request for a receipt. 

We are not talking about letting a company have time to process and send a receipt. We are talking about a company that does not let you REQUEST the receipt for 30 days. They are ILLEGALLY hoping I forget to call them back. I see NO LEGAL reason for them not making a note of my REQUEST for a request when they take payment. 

If CFPB thinks this policy is OK, please send an explanation of what legal purpose anyone would have to refuse to allow me to REQUEST ( not receive ) a receipt until 30 days after payment is received over the phone. 

I can not clean up finances and prove that deductibles are met without the receipt. It should not be so hard for me to get a receipt. This is clearly a scam to make sure I pay more money than I should.
Victim of scam, no history of large purchases on account, but recently was contacted by loan company who advised to use credit card to buy gift cards for loan purposes and the loan company will pay the balances on credit card. The balances were paid, but the payments made by loan company were all returned unpaid approximately 1 month later. The loan company bounced payment checks after using aggressive tactics to force the purchase of gift cards. The loan company even sent drivers to transport to and from the various locations to purchase gift cards. Obvious scam on a elderly persons account. The balance accumulated from the scam is being charged anf bilked, and the credit has been revoked
XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.
My mortgage is in foreclosure because I was laid off from my job over a year ago. I now have a new job plus I will be back at my old job come XX/XX/XXXX. I was originally slated to go back to my old job XX/XX/XXXX but due to funding it was pushed back to XX/XX/XXXX as that is when the new funding cycle starts. I do have a job that I started on XX/XX/XXXX on a year employment contract with another client. Unfortunately the mortgage company has been extremely difficult and refuses to acknowledge my other form of income. My current employment contract was sent to them on XX/XX/XXXX via XXXX, the counseling center I am working with. Instead of them looking at the paper work from the stand point that come XX/XX/XXXX I will have XXXX jobs. They are trying hard to push this foreclosure through so that they can take my home. Mind you the payments are fairly low so with just my new job I can pay the mortgage and they know this. 
We have been diligently trying to work with PNC Mortgage to rectify this matter but I sincerely believe that they are engaging in scrupulous mortgage practices to try to take my home because of the equity that is in it. I have had this home for almost twenty years and have finally gotten to the point where I no longer have to pay interest and all the payments were going straight to pay off the principle balance.
My private information was accessed in the Equifax hack in XXXX of XXXX. Not only was I not notified of this event in a timely fashion, I have not been notified directly by the company at all. Equifax has also attempted to deceive me and countless other consumers into signing away our right to sue for their negligence by offering a free one year trial of credit monitoring in exchange. This is deceptive and predatory behavior, in my opinion.
I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.
On two separate occasions I have called Great Lakes borrowing services about my federal student loan. On the first occasion, around XXXX 2017, I received an email from Great Lakes stating that my first student loan payment was due. I called Great Lakes and told them that I was currently a student at the University XXXX XXXX XXXX, and that my Federal student loan should then still be in deferment. Great Lakes had me print a paper for the financial office of the University XXXX XXXX XXXX to fill out, and then fax back. After, I did n't receive any correspondence back. Then in XXXX 2017 I received another email from Great Lakes stating that my first student loan payment was due. Once again, I called Great Lakes and told them about the paperwork that they had the University XXXX XXXX XXXX fill out, and that my student loan should still be in deferment. They apologized and said that they would put my student loan back into deferment. Today, X/XX/2017, I decided to check my account at Great Lakes to ensure that my student loan was still in deferment, and I have a past due balance from X/XX/2017 in the amount of {$100.00}. Great Lakes refuses to rightfully put my student loan back into deferment and will not provide me any useful assistance when I attempt to make contact with their support department.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX immediately decreased my credit limit from {$5200.00} to {$4800.00} based on XXXX reporting a lower credit rating and provided notice after the fact ( " XX/XX/XXXX Credit Notification '' ). Subsequently, in a less than 12 month period, on XX/XX/XXXX, XXXX XXXX XXXX XXXX again decreased my credit limit from {$4800.00} to {$4400.00} based on XXXX reporting a lower credit rating ( " XX/XX/XXXX Credit Notification '' ). However, the credit rating listed in the XX/XX/XXXX Credit Notification was points higher than that listed in the XX/XX/XXXX Credit Notification. Between XX/XX/XXXX - XX/XX/XXXX, all payments were made on time without any late fees or penalties. The two credit limit decreases have had an overall negative effect on my credit score essentially dragging my credit score down even lower once the credit limit changes have been reported by XXXX XXXX. As a consumer, this is troubling that XXXX XXXX XXXX XXXX is able to employ this tactic especially when a credit score has improved since the last decrease in the credit limit. I spoke to XXXX with XXXX XXXX XXXX XXXX who not helpful and that it's XXXX 's policy and " nothing can be done. '' I have yet to see any language noted in the Credit User Agreement regarding periodic reviews of the credit account and decrease in credit limit related to changes in credit score reporting.
In a response to CFPB complaint # XXXX, Wells Fargo chose to use Consumer Account Agreement as an excuse for making unauthorized changes to my savings account. Account conversation deemed necessary for assistance to the customer is in the agreement and states WellsFargo can make changes if they help with consumer finance. 

Unfortunately, a year later WellsFargo returned {$760.00} in fees and admits to depositing a check from XXXX XXXX XXXX ( merchant returned funds for fraudulent purchases ) into the closed account without informing me. 
The report to CFPB only acknowledges a payment but claims the amount is more than {$800.00}. 

As you will see in my feedback, the check was actually for {$760.00} and accompanied by a letter telling me to feel free to cash the check at any Wells Fargo location or contact my " tax attorney ''. The previous day I got a letter from Regional Manager XXXX XXXX practically daring me to enter any branch. 

In short, a year after the fact, Wells Fargo admits merchant XXXX XXXX XXXX returned funds to my closed account due to fraudulent purchases. Even with this knowledge a year later WellsFargo refuses to admit that the trouble with my account started with the unauthorized account conversation that lead to the clear theft.
On XXXX XXXX, XXXX, the State of California Franchise Tax Board ( FTB ) Vehicle Registration Collections placed a levy on my checking and savings accounts at US Bank. The FTB took {$260.00} from my checking account and US Bank took an additional {$100.00} from my checking account as a " levy fee. '' The levy should never have been taken because I did not have any delinquent vehicle registrations. The FTB was ignorant to the fact that the vehicle in question was purchased from me by the State of California in XXXX under their Vehicle Retirement Program. I spoke with the FTB yesterday and they agreed to release the levy and put the {$260.00} back into my checking account. However, even though US Bank is aware of the fact that the levy was invalid, US Bank is still refusing to refund me the {$100.00} they took as a levy fee. I know that the law provides remedies for situations like mine where the state and my financial institution have raided my private bank account under the pretext of a delinquent vehicle registration collection program. I would like to pursue every legal remedy to recover for my damages.
On XX/XX/2018 I contacted Equifax about an ongoing ID Theft Case that had already been reported to their company on my personal credit report. I was advised by the customer service agent to fax all supporting documents to substantiate my claim to XXXX. He advised me that the investigation would take 30 days and that I should submit my documentation during that time frame. On XX/XX/2018 I faxed my police report, FTC Fraud affidavit, ID, Social security card, proof of current address and proof of address at the time of incident as advised to XXXX. My FTC Fraud affidavit specifically outlined the name of the accounts in dispute, the account numbers reported, and the amounts disputed. A few weeks later I received a letter from Equifax dated XX/XX/2018 stating the following " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. '' This is totally unacceptable and obviously a stall in the process of doing what I SPECIFICALLY asked them to do. Attached you will see the FTC affidavit that lists the account names, numbers and nature of the dispute as they asked WITHIN the specified time frame from my original call on XX/XX/2018.
I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.
Spoke with Executive Financial after I had sent in written request asking them to validate debt that was reported to my credit bureau. I had insurance and never knew that I had a collection or a bill out there. When I asked for validation of the debt all I got was a screen shot of what they had on their screen and did not validate the debt as requested. I then contacted XXXX who was extremely rude and tried to belittle me through out the conversation and I asked him to send me a statement of the debts, he refused and said that they validated it and that is all he was required to send me. I am still asking for validation and removal of the debts. The collector XXXX refused to send me any information or statement of debt so that I could even attempt to figure out where these are from.
I sent this company {$790.00} on XX/XX/XXXX. They promised to consolidate my student loans and after ten ( 10 ) years, I was told that I would have my loans forgiven altogether, as a teacher. I was quoted an initial monthly payment of {$170.00}, with insistence that this was the best program for me, participating in their financial-based loan-assistance program. Therefore, I had to lock in that rate and insisted up my credit card information. The next day XX/XX/XXXX, I tried calling to talk to my Enrollment Counselor, XXXX XXXX, to cancel, and could not contact him via e-mail or phone -- and it was that way for over a week. What I want is my money back. The main part of the contract is that they were supposed to submit my application. I was told Thursday XX/XX/XXXX that my application would not be submitted until XXXX ; but when I told them that I was going to work with XXXX directly and no longer wanted to work with their company, I was told they submitted my application that day. Their stories constantly change. For example, my payment went from {$170.00} to {$420.00} at one point. Yes, it 's income based -- but when one is unemployed and has no income, that appeared excessive. In addition, I have asked for a refund at least three different times -- there is no documentation of my ever asking for a refund on their end -- and I even talked to XXXX, the manager. When I talked to her this Thursday the XXXX, she told me that the Department of Education 's program was not as good as theirs and I was a fool to leave their company. Please help me get my refund.
On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since. 

This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports. 

In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me. 

I believe that my rights have been violated and I would like immediate action taken. 

In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. on or around XXXX-XX/XX/2014. Where XXXX XXXX XXXX pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and XXXX XXXX XXXX family which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX where they fraudulently open online banking, bank cards and other bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. With out permission or authorization from me XXXX XXXX Where the XXXX family continue to control and spend larger amounts of my money up to {>= $1,000,000} XXXX Dollars. Allowing them to open other bank accounts at other Banks. XXXX XXXX XXXX her family lives at XXXX XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX XXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against me to commit fraud.
XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.