WillisBack/dataset-financial-user-claim huggingface dataset:
I first reached out t o Navient on three oc casions (  XXXX   XXXX ,  XXXX  and  XXXX ,  XXXX   )  via " Contact  US  '' on my Navient on line account and emails. Also, I called on   XXXX   XXXX   XXXX   and the Navient representative informed me that they could not find the email I had sent using my Navient on line account via " Contact Us. '' I sent an email through " Contact us '' on my XXXX  online account on   XXXX   XXXX   XXXX   I followed up with call on  XXXX   XXXX  and was told by Navient representative that he was n't able to find the email I sent through " Conta ct Us  '' onmy XXXX  account to address this issue. He told me to send an email to  XXXX  XXXX  XXXX  with supporting documentation, which I did and received another generic response from Navient. The response did n't address the issue I had brought up with Navient.     I was a  XXXX   XXXX  volunteer from  XXXX ,  XXXX  to  XXXX ,  XXXX . During my service, I qualified for {$0.00} repayments under the  Pu  blic Service Loan Forgiveness  program ( Income-Based Repayment ). But I was informed by Navient that I can only apply for deferment during my service.     I have reached out to Navient requesting a retroactive qualification for  Public Service Loan Forgiveness  ( Income-Based Repayment ) from  XXXX ,  XXXX  to  XXXX ,  XXXX .     When I found out about  Public Service Loan Forgiveness  ( Income-Based Repayment ) and spoke with a Navient representative, I was not informed that that my  XXXX   XXXX  service counted towards the 120 payments for  Public Servic e  Loan Forgiveness ( I ncome-Based Repayment ). I have reached out to Navient requesting a retroactive qualification for {$0.00} payments for  Public Service Loan Forgiveness (  Income-Based Repayment ) during my service. {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX   should be credited towards my 120 payments.     I uploaded documentation supporting my  XXXX   XXXX  service and income during my service, which qualified me for Public  Service Loan Forgiveness (  Income-Based Repayment ) at {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX  . I think {$0.00} payments during my service should be credited towards my 120 payments for loan forgiveness.
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box. The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it. From my online account, I was able to see that someone signed on the back of the check and encashed it. My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX. I got the affidavit signed by myself and also from the Manager of XXXX XXXX. I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does. I don't have any options. I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check. Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
I've been a student with XXXX for a few years as I was taking classes while serving in the military. On XX/XX/XXXX, I stopped taking classes because I was separating from the military and transferring from XXXX University  to XXXX   XXXX University. In XX/XX/XXXX, XXXX University  placed a hold on my student account. I am unable to access my official transcripts and other documentation. I have made several attempts in contacting my advisers and other branches of XXXX over the course of several months. I finally spoke to a man named XXXX XXXX through email about my account. He stated I ONLY needed to update my financial information about how I will be taking future courses with XXXX. Which made no sense because I did not want to continue my education at XXXX, however, I sent the form in, to update my financial information. After I sent the form, XXXX XXXX XXXX stopped replying to my emails. I then made several calls to my adviser and made sent several emails ; none were replied to. On XX/XX/XXXX, I got hold of the financial office and spoke to a gentleman. He stated the holds on my account are because I owe XXXX University $ 2000+. The balance includes two of my latest student loans through Navient. He states that because I withdrew from XXXX University after my class in XX/XX/XXXX, XXXX had to refund money back to FAFSA for the classes I did not take after my last class. He states that because XXXX had to refund the money back to XXXX, I owed XXXX that balance. I told him it doesn't make sense that I owe money back to XXXX for classes I did not take. He then replied and stated that the money I owe XXXX is because of the loans I took out from Navient. This would mean I now owe student loans to XXXX AND Navient for the same loan. After arguing my case, the gentleman stated he was just going to email me a breakdown of what and why I owe XXXX $ 2000+. however, I have yet to receive this email. It doesn't make sense. The attachment is me speaking to XXXX XXXX through email.
I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.
Commonwealth Financial Systems is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX , XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX and XXXX credit reports. In addition, the date the account was opened and the amount owed are inaccurate as the account became delinquent in 2011 and the the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from XXXX XXXX XXXX indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.
I have a total of 75 late payments showing on XXXX, 75 showing on XXXX, 24 showing on XXXX all from of Navient student loans. I have 4 separate accounts numbers across all 3 bureaus. It is showing 75 missed payments from the same company. They send me One statement with all the loans on it. But send to the credit bureaus 10 different accounts. Showing a total of 75 payments. I was NEVER late 75 times. I was on a financial forbearance. I had no employment. 

The company refused to change the status due to a mix up. I was in the midst of a divorce custody battle and all my mail was interestingly disappearing. I should have been on a financial forbearance because I was out of work. However, I was denied several opportunities for work and couldn't figure out why. My score currently is XXXX with XXXX. It is a nightmare. This has been going on now for over 3 years. I recently received my credit score through XXXX XXXX and was confused. When it showed 75 late payments I couldn't believe what was happening. I am currently on a financial forbearance but they refused to change the status. I have written, called, and tried to discuss the issues. They continue to leave the status as it is. I had sent in all the paperwork showing I was suppose to be on forbearance. 

AND they send me ONE statement, one bill, one forbearance but report to the credit bureau 11 different accounts making my score even lower. furthermore, they are extremely inconsistent across the board. They send varying and inaccurate information to the credit bureaus causing my score to do a roller coaster ; making it difficult to get my financial life in order. It is causing lots of undue stress and mental strain.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX RE : XXXX XXXX XXXX Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have that account number attached to THIS ADDRESS! AND XXXX XXXX DOES NOT HAVE 12 LATE PAYMENTS ON MY ACCOUNT. And you are electing to leave these errors on my report. 

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. 

Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an XXXX of XXXX to get the XXXX XXXX  to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand XXXX XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
XXXX ( one credit card ) and CapitalOne ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my CapitalOne credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.
Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?
hi my name is XXXX XXXX and I recently received a loan from BIG PICTURE LOANS for {$800.00} and I was told that I would be paying {$1000.00} back for borrowing that amount and that I have options to pay it back however I like. At the time that I took out the loan I had no idea what I was getting into until I had already received the loan and then I was informed that I would be paying it back twice a month rather than once a month. I have contacted them multiple times to tell them that there is no way that I could possibly do that given my current job situation and they had told me that they would work with me if necessary not to worry about it, so when I contacted them back to try to come up with a resolution for this they wanted no parts of helping me and they continually take money out of my account every two weeks and it is about to make me lose everything I own because I do n't have it like that to pay them like that. I have already reached the amount of money that I borrowed plus the {$280.00} that they said they were going to make off me and now when I talk to them they tell me that until I actually send them the total amount in full ( {$1000.00} ) again all at one time that they are going to continue to take money out of my account until they make some absurd amount of ( {$6000.00} to {$8000.00} ) which I most certainly can not afford given my current situation. do I have any options and if so please let me know. I bank with XXXX XXXX XXXX in XXXX XXXX I work hard to take care of my house XXXX step kids and my girlfriend as well as my animals. I have also lost my cell phone account and have defaulted on XXXX credit cards as well because they did not live up to their end of the deal. I am at my wits end with this and need help! PLEASE! also this very day while filling these forms out I tried contacting them to get my loan number and the first guy said I could not have it and then proceeded to hang up on me so I called back and the next person gave it to me. What a joke of a company and absolutely no way to do business I also have proof of this as all my calls are recorded as well for " quality assurance ''.
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed I made all payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
I took a XXXX dollar loan out I have paid roughly XXXX dollars. I went on the web site thinking it was paid off, to my surprise the XXXX dollars only XXXX went to the loan. So my payment being paid biweekly was XXXX only XXXX dollars went to the XXXX every pay period. So on a XXXX dollar loan if I didnt catch this I could have payed over XXXX dollars on a XXXX dollar loan. How is that even legal? I would have never gotten this loan if I had known this. When I called the supervisor still wanted me to pay the XXXX. So that would still put me paying XXXX on a XXXX dollar loan. I was never explained that I would be paying interest every other week of XXXX dollars. They have gotten roughly XXXX dollars and only XXXX went to the XXXX dollar loan. This is crazy and how many more people have they done this to. There has to be fraud somewhere.
Apparently I was put as a secondary contact in case they could not reach the individual ( family member ) who owes debt. I have been unable to reach anyone at the company and demand that all calls stop immediately. I demand that my information be immediately removed from any contact list and that all contact attempts cease. I've been called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have no legal obligation for this debt and have exhausted all remedies.
PNC has violated my privacy by placing my private XXXX information inside of my son 's student virtual wallet account. My son is not a joint owner, not a co-signer, not an authorized user, nor entitled to access my XXXX in any way. PNC has confirmed that my son is not associated with my XXXX account. Yet to access my personal XXXX information, I must first access my son 's student virtual wallet account. To pay my XXXX bill, it must be done through my son 's checking account. I have contacted PNC three times over the course of 5 days. PNC has refused to remove my XXXX account information from my son 's student virtual wallet account. A PNC customer service agent has told me that there is no way for PNC to restore my right to privacy with my XXXX information.
Dear sir, I deposit check to my checking account for XXXX usd in XXXX of XXXX. in Wells Fargo the amount deposited XXXX my account at-once and rest shows as pending pending in my account up to day XX/XX/XXXX. 
On day XXXX the total money deposit full in my account, on XX/XX/XXXX I spend XXXX XXXX from my deposit, on XX/XX/XXXX bank inform me that the check return and put out the total money which was deposit in my Checking account, I did have enough money in Checking account, on rely to Bank statement i did the transaction, ( since i did not money in my checking account the drown money from my saving account to complete the money which has been weird, As a result of this statement i lost XXXX XXXX i asked Wells Fargo why you pending and deposited to my account and why you give me access on XX/XX/XXXX. and pull it on XXXX, I suffer from this action and lost XXXX XXXX which i can not afford please help me I talk to wells Fargo they I must wait for 14 days to see if the check is passed or not this is true? and for why deposited my account they told me this bank regular situation and I should know the rule? befor i spend the money, but the only thing they done was return XXXX usd fee back to my account, Please help me thank you XXXX