WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my checking account was placed on restriction due to fraudulent check deposits on my Navy Federal Credit Union checking account. They were in the amount totaling over {$2000.00}. I had no knowledge of these deposits until I was unable to log onto my NFCU account via the XXXX app. When I found out about this issue, I immediately called NFCU about the matter and they went ahead and open up a Fraud claim. Two weeks later, I got a letter in the mail stating that the claim was denied & I owed the negative balance on my account. I have been fighting this matter for seven months and each time I would speak to a Security rep, they would tell me that they are looking into the matter and will get back to me. That never happened, as I had to always make the first move. On XX/XX/XXXX, I spoke to another Security rep, as I was in the process of starting a new fraud claim to retrieve my checking account back. The rep told me that I didn't need to start another claim and the only way that I can get an appeal is if I pay the negative balance on my account. I should not be liable for paying back this balance, as I did commit the illegal actions. It is a major inconvenience, as I haven't been able to use any services that Navy Federal offers ever since last year & I had to pay off and close out my credit card that I had with them. I have been a loyal member with NFCU ever since XX/XX/XXXX & I would like to remain a member.
Hi, My name is XXXX XXXX XXXX and recently I have been receiving collections notices in the form of calls and paper notices. They are coming from Credit Protectors Association and said the creditor was XXXX in the XXXX. They are looking for an XXXX XXXX XXXX, not XXXX XXXX XXXX, however they have my phone number as well as my parents address. I lived in XXXX XXXX, XXXX from XX/XX/XXXX- XX/XX/XXXX however I did not use internet or phone while down there. I have never heard of this company before and I am worried that this is an identity theft issue. 

Thank you so much for your time, XXXX XXXX XXXX
My mortgage company CMG Financial is not allowing me to be considered for homeowner assistance or loan modification programs. I bought my home with an FHA loan and there are several different programs available that could help me, but CMG has not reviewed my documents or paperwork to determine my eligibility. Each time I call them to try and fix this problem I speak to a different person and they continually lose and misplace my documents. I dont know what is going on with their process and their company, all I know is they are not following the rules.

After we bought our home we had some major damage and needed to do extensive repairs. I had just had a baby and was on maternity leave and not working at my optician job. Due to the damage we actually moved out and rented for a while during the construction work. However, we ended up having squatters move into our home and it took much longer to eventually get them out and for the repair work to be completed. Due to all of these factors we struggled and ultimately fell behind on the mortgage. When we contacted the staff at CMG they were initially helpful and said they would send out an application for us to complete. However, this was never received despite multiple requests for the paperwork. We then went online to get the application paperwork and began sending it in to their loss mitigation department. We were never able to speak to the same person twice. Our documents were constantly being misplaced or lost and we were never able to get an actual review completed. We received many letters from CMG about our missed payments and that we needed to resolve the matter. On the back of these letters CMG would give us a number to call if we needed help. We called the number many times to try and get help, and we were told by their agents that they would send us a NEW application that they would personally review. Once again, we never received any applications. Now we are getting notices for court dates and falling into foreclosure. This is very distressing.
I have worked as a XXXX  XXXX  for the last 11 years and make a solid living. My husband supplements the family income by working as an XXXX XXXX. We have XXXX  young children who call this home and we need CMG to allow us access to the government homeowner assistance programs that are available for distressed FHA loan borrowers. To date we have YET to be reviewed for any of these programs, instead we are transferred from one place to the other making no progress and falling further behind. This is wrongI thought that CMG Financial is required to review my documentation and evaluate us for the various programs that are available? All we are asking for is a fair shake. I am hopeful that your agency can intervene on our behalf.
mrc receivables too me to court over a debt. The agreement when I paid the debt was that it be removed from my credit report. This was in XXXX 2009. I paid the debt owed. Upon checking my credit report this debt is still on my report. I have called several times and sent several letters requesting this be taken off of my credit report. Mrc states they are not reporting to the credit bureaus which is correct. They have reported to our district court and will not provide me or the courts the documentation to remove this from my credit file. I have made all attempts at resolving this and they will not respond or tell me something is in the mail and I never receive it. This debt is also more than 7 years old from the original creditor.
I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not. 

Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.
In late XXXX XXXX I went down to part-time in my master 's program as I was done with classes, but had n't finished my thesis. Within two weeks of this change I had a bill from Navient somewhere between $ 500- {$700.00} - I ca n't recall the actual amount. I called Navient to let them know I could n't make that payment as I was working a XXXX making only {$15.00} an hour, but could afford {$50.00} a month. They said all they could do for me was put me in forbearance for a month if I paid $ 150- {$170.00} ( again, I ca n't recall the actual amount ). I told them I did n't have that kind of money and if that 's all they could do my only option would be to simply not pay. And since they would n't work with me I did n't pay from XXXX XXXX to XXXX XXXX until I landed a salaried full-time job at a non-profit. 

Now that I had a better paying job, I could start paying my student loans. When I called Navient to set up a payment plan they would n't go lower than {$500.00} a month. This is a hardship for me given I work at a non-profit where my salary does not go very far, especially since I was working and living in the XXXX XXXX where the cost of living was high. Their reasoning for why they would n't low it was because I could have paid my student loans with a credit card between XXXX and XXXX. That blew my mind! Why would I pay my student loans on a credit card? That does n't make any financial or common sense. 

So fast forward a year and a half later. My credit is ruined from those four months of not paying, but I 've been paying Navient {$510.00} a month for my student loans and have never missed a payment. During that time my dog had broke his neck and I had to put $ XXXX in vet bills on high interest rate credit cards. I 've cut corners to where I spend less than {$40.00} a week on groceries and even moved 70 miles away so I could work at a different office where the cost of living was lower just so I can pay down those credit cards. I also take side jobs where I sometimes end up working 80 hours a week, but it 's not enough. I recently called Navient to see if I could suspend payments from about nine months just so I can get a handle on these high interest rate credit cards. 

I called Navient today, XXXX XXXX, XXXX at XXXX XXXX, to make this request. I was told my only option was one month of forbearance since that is all I had left. When I asked them to work with me since they would n't work with me a year ago and are the only reason my credit tanked, the manager cut me off and said very rudely, " We are n't responsible for your life choices. '' When I asked if I should have let my dog die to avoid the vet bills, he still said it was n't their fault I made poor life choices. 

I am beyond frustrated with this company and feel like they took advantage of me. I was willing to make a payment over a year and a half ago, but they would n't take it and it has had serious repercussions on my financial health, as well as my mental health.
Contacted by Keith D Wiener & Assoc via mail on XX/XX/2018. I researched them and determined I do not owe this agency any money. A verification of debt was sent certified mail via usps on XX/XX/18, to date it is pending pick up ( tracking # XXXX ). On XX/XX/18 @ XXXX XXXX  I received a phone call from someone claiming to be from the county court as a process server from XXXX saying that they are trying to serve me papers to an address of XXXX XXXX XXXX ( not my address ). When asked who it was from and who they represented I was told that he can't release that information and I need to be home to be served. He then told me that if I don't get the papers it will be a failed attempt and it could result in further action against me. At that moment I felt I needed to end the call. After doing some digging I found a judgment online in my name from this agency. 

I reached out to Keith D Wiener & Assoc to find out what was going on and spoke with a XXXX XXXX. After trying to set up arrangements he told me that what I wanted to pay was not enough and I would need to send in pay stubs and they will determine the payment amount. I explained that if it was more that I stated then I wouldn't be able to pay. XXXX explained that they would not accept {$50.00} a month payments that they would just " file a judgment '' and garnish my wages. I explained that I want to pay the original of {$1200.00} amount and not the inflated amount of {$1600.00} which included their fees, again I was denied. 

I then asked for my login information to view my case on their website and was denied that information. At that point I wanted to speak with a supervisor. I called back and was transferred to XXXX XXXX the supervisor, I left a voice message and have not received a response. 

I did some research of my own and found that I have a court appearance in XXXX for this matter that I tried to resolve.
Situation : I have has XXXX of XXXX accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted XXXX on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then XXXX will collections called me, I explained the situation they noted the account. Then they sold the debt to Midland funding, who seems to be very aggressive. Tried to sue me for all the accounts from XXXX. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland funding started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then Midland places to other bureaus. Then I need to complain there and get it removed. Midland Funding is like XXXX, once one portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw Midland only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the XXXX that they are actively reporting after 6 months of re-investigation with no results:1 ) Balance was positive XXXX ) Charges were XXXX ) In the end i was owning XXXX XXXX ) Midland reports and demands for {$2500.00}
Bank of America routinely manipulates the timing of debits and credits in our account so that checks we write clear just before direct deposits are credited to our account. This happens on the date of our monthly payday regularly. Nearly every month, we are charged an insufficient funds fee no matter how closely we manage purchases and checks written. 

I notice that Bank of America offers no way to make a complaint in writing when one attempts to register one online. One must first attempt to resolve the issue via phone. Among other things, this means there is no opportunity to establish a written record of the complaint. 

I seek the refund of insufficient funds fees that have been assessed on numerous occasions entirely because of the bank 's bad faith practices.
There are wrong statuses in my report, I have never paid late these accounts   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
To Whom It May Concern Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I had an XXXX at XXXX XXXX XXXX XXXX. I was billed {$360.00}. Due to an issue with my insurance company I had to wait on my " in network '' out of pocket vs my " out of network '' out of pocket to get sorted before I could be sure that the billed amount was accurate. Unfortunately it took a long time to sort out and required me escalating the issue with my insurance company. 
Long story short, I did not get a full answer until XX/XX/XXXX ( ish ) of XXXX, I then paid XXXX XXXX right away, and in full for the {$360.00} that was due. 
At the same time I was contacted by Continental Credit Control regarding this payment. I explained it was paid in full and to not contact me again. 
They called me repeatedly and send my a letter this past spring. 
I just received another letter ( dated XX/XX/XXXX ) stating I still owe the money AND interest ( 10 % ), now saying I owe {$380.00}! 

I called Continental Credit Control and left a message with my account #, my phone #, etc for the case manager explaining ( yet again ) this was paid months ago and to stop contacting me! I said I would be filing a complaint with CFPB as well. 
Their # is XXXX ext XXXX ( XXXX XXXX is the case manager ), I am happy to provide the case # if needed as well. 

I'd very much like them to stop, and I am also afraid that this will effect my credit too! 
Please assist. 
Thank you!
I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.
As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. 
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. 

Thank You, XXXX XXXX
I received  XXXX  in the amount of  XXXX  on  XXXX / XXXX / 17  @  XXXX  into my Coinbase wallet. As for a confirmation code I did not re ceive one. I h ave tried close  to 10 tim es now to contact Coinbase customer service via the only means possible, online request &  XXXX . I  received one res ponse on  XXXX / XXXX /   17  but all they did was ask for the same information I had already provided so I reiterated it & never heard back. Here is  the Case #   XXXX  generated by my inquiry. I have numerous other case #  's ( Case #    XXXX ,  Case  #  XXXX ,  Case #   XXXX   )  that have been provided in their email acknowledging receipt of my inquiries however that 's all you hear from them. From what it looks like on  XXXX  many orhers are having similar issues with Coinbase.     Thanks
Supervisor XXXX XXXX of CBE GROUP XXXX A collection agency for XXXX / XXXX XXXX XXXX XXXX IA XXXX USA Accepted my credit card and recived payment for {$980.00} I RECEIVED A CONF # and was told i would get an emailed thankk you for your payment letter in 7 days. And the Total {$980.00} was paid on XXXX XXXX 2016 charged to my credit card on XXXX XXXX 2016 They promised to send a letter to email and mail but still have not. I called again to today XXXX XXXX 2016 and XXXX XXXX supervisor of CBE GROUP. stated it will take her 10 more days before she can send a THANK YOU FOR YOUR PAYMENT LETTER * NOT* AN ACTUAL RECEIPT. AND THAT IT *WILL NOT * SHOW PAID IN FULL OR XXXX BALANCE. **WILL NOT LIST ACCOUNT # S AND THAT IT IS A LETTER ONLY AND **NOT AN ACTUAL RECIEPT** I previously disputed because I believe they continue to bill / charge and collect on accounts over and over reporting to Credit Bureaus showing Negative on my credit. And that they get away with it because They ARE NOT HELD ACCOUNTABLE TO PROVIDE RECIEPT ITEMIZATION S INCLUDING ACOUNT # S AND SHOWING PAID IN FULL OR XXXX BALANCES. I FEAR THAT I WILL AGAIN HAVE TO PAY THESE CHARGES FUTHER DOWN THE ROAD BECAUSE THEY ****REFUSE**** TO PROVIDE ME WITH ANY TYPE OF RECIEPT.
Filed bankruptcy on XX/XX/XXXX but is showing up on Experian credit report as filed on XX/XX/XXXX
Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}
XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL XXXX