WillisBack/dataset-financial-user-claim huggingface dataset:
My private student loans from XXXX XXXX XXXX XXXX XXXX   , Trans World Systems, were being serviced by XXXX. I was unable to make the monthly paymets, and I was not allowed to contact XXXX XXXX XXXX XXXX directly. XXXX claimed that they are the only agency I can correspond with in regard to the matter.

XXXX urged me to write a letter explaining my situation, and that they would forward it on to XXXX XXXX XXXX XXXX XXXX  on my behalf. That letter is at the end of this statement. I never heard back from XXXX, and XXXX  kept telling me there was nothing they could do on their end. The loans are now being serviced by XXXX XXXX XXXX XXXX. Apparently this is the servicer XXXX  uses for delinquent debt and uses strong-arm tactics to get their money. They will not accept a financially viable payment solution, and will only accept a payment plan that is far beyond my means, with a massive up-front " good faith '' payment. It is untenable, and they are now threatening to sue myself and also my mother who is the co-signor.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here is the letter that was sent : To whom it may concern, I just finished speaking with one of your customer service reps, who was very nice, but said there was nothing she could do for me. She recommended that I send this email, asking you to pass this information along to the lender to see if there is anything they can do for me.

AC # ************* XXXX XXXX.

Apparently, back in 2010, I used up my one & only forbearance option, and am now unable to get the loans current again. I was given a reduced payment plan back in XX/XX/XXXX, but it did not make the account current and now there is a huge past due balance on the loans. I am unable to bring the account current, and do not see any possible way to bring it current.

My credit has been absolutely destroyed by this account, dropping it over 350 points since last year, making it impossible refinance it. The current payments are just a little higher than I can afford, but what is worse is that the past due is untenable and is just making the delinquency worse & worse every month.

I really need the account to somehow be brought current, so that I can make normal payments and no longer be delinquent. Please help!

Sincerely, XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- And here is the confirmation of XXXX ' receipt of this letter : Thank you for contacting XXXX XXXX XXXX  ( XXXX )!

A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. Correspondence will be sent once a response has been received to advise you on the outcome.
Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.
I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between XXXX-XXXX. They called me at XXXX XXXX. on Friday morning. I told them the same thing. They called again at XXXX XXXX. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I filed a complaint with the TN Dept of Financial Institutions.
I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Upon receiving my credit reports from XXXX, XXXX and XXXX on XX/XX/2018, I noticed a negative/derogatory line item from Portfolio Recovery Associates, LLC in the amount of {$6300.00}. I have sent two certified letters to Portfolio Recovery requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. Portfolio responded by saying that they verified the account. However, they have not shown proof of my signature. Portfolio went on to say ( in their most recent letter ) dated XX/XX/2018 " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?
I reviewed my credit report and notice that in my XXXX account number XXXX was past due 30 days in XX/XX/2017, i believe i always made the payments on time, most likely the monthly statement did not get to me on time.
I received a phone call from a company called Equitable Acceptance in XX/XX/2015 about a student loan forgiveness program. Their sales tactics made me believe I needed their services in order to get my loans forgiven and without them I would be in a very difficult situation. Being in student loan debt I was very fearful I would never be able to afford to repay the loans so the student loan forgiveness they were explaining was a glimps of hope. Now to find out years later by the department of Education that I should never have to pay a third party for help with student loans and to immediately stop the automatic {$39.00} monthly payment that they had been taking since XX/XX/2015. I had then realized that my student loan amount was not going down at all due to the income based repayment plan I was on, and Equitable Acceptance was charging me {$1300.00} a year to submit one application to my loan servicer. I believe this company needs to better explain the actual service they are providing because if they made those facts more clear nobody would be involved with them. Their marketing a population with tactics that makes us fearful to deny their services not knowing that we do not need a third party to provide any service at all. Their marketing tactics are unfair and I dont believe they should be in business anymore. The services that I have been paying for from them also show up on my credit score as a credit card with a balance due. I would like to see this removed from all credit reports. I would also like to add that the person handling my case, which I do have their name and number, had a phone number that is no longer in service and they have made it very difficult to find out how to contact them directly.
A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!
Bank of America underwriter declined my mortgage application on XX/XX/2018, half way into escrow which was started XX/XX/2018 and jeopardized my home purchase due to negligence on the part of the loan officer nmls XXXX who failed to submit my information correctly. I was then forced to find another lender and pay higher fees and get a much higher rate due to the time constraints of the escrow. 
I received a letter from bank of America today saying that the loan was declined because they were unable to verify ownership or occupancy and unable to verify qualifying income. I have supplied all requested documents such as XXXX, paystubs and tax returns as well as letters of explanations but my information was not submitted to the underwriter correctly by the bank of America loan officer. I have spoke to several lenders after my loan was declined and they all agreed that bank of America did not do their job and that the loan officer failed to correctly submit the 5 C 's.
Predatory loan, not reflective of my salary, job title, and credit. 
Collusion with dealer to reduce bargaining power, including paying interest and points on loan, requiring bad supplemental products as mandatory. 

Mandatory bad warranty. No record of warranty, no contract info, despite repeated attempts to obtain. 
Extra large cost totaling over 25 % of the price of the car. XXXX car ( XXXX warranty ) No repair reimbursement. Never was able to use warranty despite numerous repairs. I have had to pay over $ 2000.00out of pocket, with NO reimbursement or ability to submit a claim. Paid over 2000 in the first 12 months of ownership. 

Called finance company immediately and told not to fund the loan, that the dealership had misreprensented themselves in the transaction numerous times, and the car would be returned asap. It was funded anyway. After making several calls to the finance company and dealer to rectify, to no avail. 

Sent all of my paperwork late. So by the time I received it I was behind one payment. So despite paying the loan every month, the loan reflects perpetually late, and I get a fee each month, even though I pay at least the minimum, usually over the minimum payment each month. I have incurred hundreds, if not thousands of dollars in late fees. 
Several months ago, despite paying the loan monthly, XX/XX/2018, my  payment was refused, forcing my loan into default! 
I have paid on this loan for over 18 months ( it is a 3 year loan ), and I owe more now than the initial loan amount. 
I would have great credit if not for this loan. I have excellent payment history with every other creditor before and after inception of this loan.
Equifax, who was given all of mine and every other American 's personal information, had improper security measures in place which allowed the release of over 100,000,000 people 's personal information. Information that can ruin people 's lives. It 's not even an opt-in service, but half of the entire country got screwed over anyway
NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.
I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.
I sent a letter to Equifax outlining errors on my credit report in XX/XX/XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
On XX/XX/XXXX I received an email informing me that my loan was 30 days late and I immediately contacted Wells Fargo and was placed on hold for over an hour intentionally. I called back and asked to be transferred to the Office of the President. ( It is important to note that I requested a deferment on XX/XX/XXXX with XXXX and was told that it was approved ). I spoke to XXXX and she informed me that she would immediately initiate a dispute with the credit bureaus and that I would be contacted within 10 business days by an analyst. I did not the wait the 10 days because my credit was being negatively impacted by the erroneous credit reporting and I reached out to the analyst. I spoke to XXXX and he informed me that he knew nothing and was still investigating. I asked him the name of the governing agency for Wells Fargo and he responded that there are many and that I could look it up. I ask him to be transferred to his supervisor and he said that was not an option. I told him that I did not want him to handle my case anymore and he said that he would make that request. I asked him the timeframe and he said that he did not know. I asked him if the calls are recorded and he told me yes. I continued to call back and was finally able to speak to a woman who identified herself as XXXX, a supervisor. She told me that due to the holidays that she was having a difficult time tracking down anyone in the deferment department but would contact me directly and keep me posted. She called me again on XX/XX/XXXX and said that she reached someone in deferment but did not have anything tangible to report and would be in touch. I hired an attorney and he told me to contact the credit bureaus and file a dispute for the XX/XX/XXXX late payment which I did. On XX/XX/XXXX, I called Wells Fargo customer service and spoke to XXXX and he informed me that even I requested the exception deferment on XX/XX/XXXX that XXXX dropped the ball internally and never actually approved the exception at all and that is why Wells Fargo marked my XX/XX/XXXX payment 30 days late. I explained to him that I pulled credit report that same day and that they also reported my XX/XX/XXXX payment 30 days late as well. He said it's not even 30 days late yet. I told him that I am looking at a written copy of my credit report. He said that Wells Fargo actually approved the exception deferment on XX/XX/XXXX when is was supposed to be approved on XX/XX/XXXX. The Office of the President still has not shared that information with me and I am waiting on a letter that confirms all of that information. XXXX finally called me back yesterday and I told her that I spoke to another rep in customer service and she told me that had an emergency that prevented her from calling me back sooner. I told her that I have hired an attorney and plan to sue Wells Fargo Dealer Services because it is also worth noting that it is not the first time that they did this to my credit after approving a deferment.
Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/XXXX, XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX  XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage.
My debit card is part of a fraud investigation so the bank has locked my card. I live in Oklahoma and there are no Huntington banks near me. I asked XXXX to expedite my card because I have no ability to get to my funds, and he proceeded to tell me he would charge me {$25.00} for the card. I asked him to waive the fee due to the circumstances and he refused to waive the entire fee. I told him I was not ok with the fee being charged to my account but if that is the only way to get my card then I guess he would have to do it but I was not ok with it. I told him I would speak to his supervisor on Monday in regards to the situation and I feel like it is extremely poor customer service to have your customer get the money stolen by the bad guys and then for the bank to steal my money as well is just not very customer oriented. This is not the first run in I have had with this bank. They have refused to give me my money once before and that seems to be their motto.
I called Equifax about this tradeline from XXXX # XXXX that does not belong to me. They said it is factual record. I told them it does not belong to me, I want to see proof with my actual signature showing this belongs to me. They have not sent any proof bearing my signature. Pulling something from a XXXX party vendor is not proof. Anyone can email, fax incorrect information to a XXXX party vendor. I want actual proof this belongs to me bearing my signature. Under The Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX XXXX you have 30 days to show me proof. Otherwise I will file a small claims action against you seeking damages of {$5000.00}.
I am being contact because Navient claims I am a customer reference listed by my sister. I have told them repeatedly that I have nothing to do with her accounts and to stop calling me. They leave me voice messages threatening to take further action.
Loancare failed to pay/disburse property taxes.  Property taxes are now delinquent and interest continues to accrue.  Escrow is being held by Loancare for payment of these taxes.
XXXX  has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX XXXX XXXX XXXX XXXX XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/, XXXX XXXX, I did purchase {$100.00} USD of ETH, {$100.00} USD of BTC, as well as {$100.00} USD of LTC. Approx. 6 days later on XX/XX/, I purchased another {$100.00} USD of LTC and {$200.00} USD of BTC. On XX/XX/ at XXXX while on Coinbase 's XXXX page I click a link ( never again ) which took me to my coinbase account. This person who I believed to be a Coinbase employee told that Coinbase was giving users who sent XXXX ETH to them XXXX to XXXX ETH back. I then tried to login to my account. Coinbase sent me at least three or four 2FA authentication codes, which I thought were a distraction. I never logged in. My email app appeared out nowhere with an email asking to authorize the Coinbase app. Since I authorized the app my account has remained locked. They say they are refunding me for {$100.00} USD of LTC and {$200.00} USD of BTC. However, They never told me anything about the coins I have in a wallet on there site. I had a reasonable expectation that my coins would be safe at Coinbase. I truly believe that employees of Coinbase are SECRETLY scamming the American public out of their money. I expect and pray for a full refund or have my account reinstated. Advice to all consumers : Learn all you can about scams on Coinbase. AND REPORT ALL SUSPECTED CRIMINAL ACTIVITY!