WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX
Ive been directly working on building my credit and have worked directly with XXXX XXXX to have every months debt paid prior to due date. Since XX/XX/XXXX, every single month Ive received notices that Im late on my payments. For the months of XXXX and XX/XX/XXXX I paid with XXXX in the amounts of XXXX each. Both were considered lost. It isnt easy to track these transactions. Repeatingly I call with the concern chasing my transactions down. They were able to locate the payments and apply them to my account. As a corrective action I started Bill Pay through my bank. My bank writes out a check ever month on the XXXX of every month to be sent out on the XXXX. This ensures 8 days for XXXX to receive the payment and apply it to my account. Since XXXX for every month I considered late for non payment. Then Im told I stand a chance of bad credit reporting by the automotive system. Then Im made to send proof to XXXX XXXX of my payments. All different forms of validation is used each month. I have clear record of check payments and of stubs to show proof of payments. After making these payments the last thing I need is to receive a text or email stating that I havent paid my bill. Then after ensuring my bank made a payment to call and be asked to take further steps to prove my payments. So for the months of XXXX and XXXX and XX/XX/XXXX I was forced to show proof of payments, also XXXX and now XX/XX/XXXX Im being told that those payment is not yet received. For every month this is a problem Im forced to have a brain vessel burst to prove what should be a very easy task. I have requested for two months now once in XX/XX/XXXX and in XX/XX/XXXX to have a copy of detailed payment history. I have not received a copy of payment history. In my opinion for a person that is trying to actually do the right thing, Im being heavily harassed. As this happened Im drawn away from work, my family and just a piece of mind. There has to be some sort of final fix to this issue. I was told I could set up automatic bill pay where I allow them to take amount due from my checking account. I dont feel comfortable with that form of payment. The bill pay option my bank offers is just as good. They get paid like clockwork.
TD Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges
I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account from my credit report.
My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.
Attached you will find the new public records report with the documentation of the lower square footage as I stated in my complaint, given to me by XXXX XXXX of the XXXX county assessment office in XXXX Pennsylvania. 

If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXX. 

I will also be sending this to the CFPB.
I have the same amount in collections by XXXX separate collection agencies. I believe only one should be reflected on my report.
Asking two credit bureaus to check the accuracy of a report chapter XXXX bankruptcy on my credit file. Inaccurate information is being reported. My father and I have the same name. Please verify the account and the accuracy of the information being reported at the local clerks office. Third parties are verifying the information via online and it is not correct
I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.
XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
Regarding visa # XXXX On XX/XX/XXXX I inadvertently made what should have been my car payment in the sum of {$390.00} to Barclays as my monthly payment when I intended to only pay the minimum payment of {$40.00}. This payment was made via automatic payment from my money market account. On XX/XX/XXXX I called Barclay card and advised I didnt intend to pay that amount can they please deduct {$40.00} and send me the difference. I was told they could not because the payment was sent by a third party I advised it was not it was automatic payment from my account. I called XXXX had XXXX on the line spoke with two managers XXXX confirmed the payment was not paid by a third party it was paid directly from my money market account via automatic payment through XXXX both managers refused and continued to refuse to return my funds because they claim the payment was posted as third party payment likely a mistake by Barclaycard. Even with XXXX on the phone confirming it was not a third party it was my automatic payment they still refused. Both managers also claim payment made by third parties can not be returned at all even in these situations when a customer asks for there over payment back. 
I informed both managers that they are holding my funds XXXX and clearly they are violating laws by not returning a customers funds even when the bank confirms the payment came directly from my account. All of the conversation which is recorded and will be subpoenaed if need be. However I am asking the CFPB to intercede In assisting with the return of my funds that came directly from my account even if it is via check directly to me so there third party concern which doesnt exist can be resolved. 

XXXX XXXX XXXX
Discussed payment options with Hunter Warfield, Inc over the telephone on XXXX XXXX, 2015 regarding my debt. I was told by the employee that payment by check was not acceptable and I would only be able to pay by credit card with a {$14.00} processing fee. The company 's website does however state that payment by check is accepted.
I recently checked my credit report and seen that I have a collection claim on my account from M & M Credit for {$680.00} however, I have never done any business with this company and dont know why or how this is popping up on my credit report
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.
Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
I did not have a social security number in 2012, and could not possibly be involved in any credit/debt related issue.
The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.
Navient was not my loan servicers it was XXXX XXXX, one day I discovered that it was now taken over by Navient. In XX/XX/2017, I contacted Navient to inform them about my separation from my husband. I tried to lower the payment to something more affordable, or to at least put the loans in a forbearance or deferment program. At that time I was told I would need pay for a forbearance program for 6mos. So I borrow the money ( XXXX ) from a family member and put them into a forbearance. The forbearance only lasted for three months. This action I was told would bring the loans current, and reduce the payment amount. But instead, the payments then doubled. On several occasion, I have contacted the loan server to get an affordable payment amount. Now, there's a threat to garnish my wages if I do not pay something I can not afford. I am a single parent trying to support my son, I am going thru a very nasty divorce. Due to the student loans, I am unable to secure a new job in my field or a mortgage because I am denied for an inadequate credit score.  Please help I do not know where to turn. 
Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XX/XX/XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with XXXX XXXX XXXX XXXX and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, States Recovery from XXXX XXXX XXXX XXXX. I received a letter from States Recovery and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems 8 years later. 

STS RCVRYXXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency STS RCVRYOriginal Creditor XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
Equifax and XXXX ( XXXX separate companies and services and charges yet identical products ) enrolled me unknowingly in their credit monitoring program and charges my credit card {$1400.00} a month. My credit card was recently changed and a new card was sent to me with a new number. Equifax and XXXX obtained my new credit card number without my knowledge. Either XXXX provided it to them without my consent or somehow they obtained my credit card number from someone else. There is no clear way to cancel this service, presumably since it 's an unwanted service and a legitamate yet scamming service.
my father XXXX XXXX from XXXX XXXX XXXX sent me XXXX through Money gram and the reference number did not work.
I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.
I was informed in XX/XX/XXXX that my name was involved on a mortgage document ( concerning forgery and fraud ) regarding a Wells Fargo mortgage account. XXXX XXXX XXXX had completed a refinance of her mortgage in XX/XX/XXXX. I obtained a copy of the document from public records and it did show that I was " a witness '' to her signing for her refinance. I was appalled and shocked. This individual was a former colleague and had all my personal information to include my social security number and drivers licenses. I notified the bank Wells Fargo in XX/XX/XXXX that this was not my signature and I had no idea who the notary was. Looking at the signature it was obvious that I did not sign the document. The printing of my name was done by XXXX XXXX but the signature was not mine on the document. I received response form Wells Fargo in XX/XX/XXXX stating that this WAS my signature. I responded to the bank asking to show me the documentation they had to prove why they determined the signature was mine. I was informed that they closed the case and I had no return phone calls back. On XX/XX/XXXX I called the bank to speak to a supervisor and once again had no response. I send in a written request for documentation and referred to my signature on a mortgage that I obtained with the back in XX/XX/XXXX to compare the signatures. No response. 
The notary XXXX XXXX was also an issue. I have no idea who this individual is. When I looked her up, her identification data was incorrect on her stamp. The state of Florida confirmed that her identification was XXXX not XXXX on the stamp. The stamp on the document was incorrect.. I notified the state of Florida regarding this issue and discrepancy. The legal department for notary is reviewing this issue. 
My identity was used to defraud the bank and my name was forged on the document with out my permission by the above individuals. I am appalled that someone would take my identity and use it on a document for they're own gain. I am very disturbed that Wells Fargo is " pushing this out of the way ''. I am a customer with this bank also and find this act disturbing and disgraceful especially with out any real answers. XXXX did sell her property in XX/XX/XXXX and she has now obtained an additional loan with Wells Fargo in XX/XX/XXXX. Really?? it is OK to allow individuals to commit forgery and fraud and allow them to continue to bank with this institution?
When doing a refinance on our VA, we chose a cash out option. An appraisal was required. We had that done and paid for it. 

The process included paying off a HERO loan to be acceptable to the new lender ( Loan Depot ), therefore our property tax went from {$1900.00} ish to {$1200.00} ish twice a year. The original payment was based on the old rate of course. 

After getting the new tax bill, I called the company and asked to have this reviewed, as my payment would go down in excess of {$100.00} a month. They said no, had to wait for first year. 

After the company mailed the {$1200.00} to the County for tax, I called back and said they obviously must have received the new tax bill and once again asked for a review. This representative said it was my lucky day, she would have that done the following Tuesday, my new payment would be calculated and the excess sent to me in a check, since my loan was almost 6 months old. ( this was around XX/XX/2018 ). 

Indeed a check was cut and I received an email of my escrow analysis and a picture of the check for {$1600.00} approx. I waited several weeks and it did not arrive. I called again, early XX/XX/2018. The representative said it was probably just lost in the mail so she would have another one cut and sent to me.

I received an email showing the new check was cut on XX/XX/2018, then a week later got an email said they mailed it, on XX/XX/2018. 

Of course it did not come so I called today to learn they did not mail it, they redeposited it to my escrow account as they determined unilaterally, that my tax might not go up and I might not be fully taxed. They saw the value of the appraisal and determined in their little heads that the refi would cause my taxes to go up. I told them it does not work that way and I wanted my {$1600.00}. They kept me on the line and told me all kinds of stories about re-opening analysis. II suggested this is now fraud and I want a check now.

They say they went to Escrow analysis and would cut a check by 5 pm. today and mail it by Monday night.

Obviously I am skeptical and I believe this is out and out fraud to keep customer 's money. They held it for six months already. 

I feel they should have a punative action taken against them so no one else wastes hours and hours on calls to attempt to get their own money. 
BTW, today they said it could not be reviewed before 18 months. That is three different time from three representatives of the same company.

I called the tax assessor 's office and that appraisal will not raise my taxes nor void my SB 60 and homeowners exemption. 

Loan Depot told me they will mail my check but now they must do a thorough tax review and it could come out I will owe more. This was a scare tactic and it really made my mad. Most of the people I know would not have any chance of understanding this. Nor would they know how to contact the county and check The level of fraud is frightening. Help me help others.
An alleged collection company  ( Harvard collection services Inc )  phone number  XXXX   XXXX  and  XXXX  contacted me couple of weeks ago until present trying to collect an amount of  XXXX . This amount was paid to  XXXX   XXXX  located in  XXXX , TX approximately 3 years ago which is I 'm pretty certain that I 've paid that amount. I asked the company to provide me their professional practicing license, they have n't gave me any. In this time, they 're keeping calling me to pay that amount inconvenient times during work and on weekend.