WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX XXXX loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to XXXX, and XXXX was later turned over to Navient. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both XXXX and Navient. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with XXXX. The same thing happened with the Navient loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.
XX/XX/XXXX | XXXX, MS | XXXX XX/XX/XXXX | XXXX XXXX XXXX, NJ | XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ | XXXX I recently just checked my Chase Unlimited Freedom statements to make sure everything was correct but I remember filing a dispute for these payments back in XX/XX/XXXX online.

After I sent the dispute request, I never got a confirmation message or call from a representative so I thought these payments were successfully disputed. However, it never was removed from my account.
I got an email from my payroll dept regarding a wage garnishment. The company XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
On XX/XX/XXXX I began the process to refinance my existing mortgage from a variable rate to a fixed rate product. I did some research and decided to go with Rocket Mortgage who claims that they are " Engineered to Amaze '' their clients. I did this with the help of my father, a Senior Vice President in charge of a mortgage division for a bank here in XXXX, now retired. 
I am a XXXX single woman, mother of XXXX children, with an impeccable credit history, liquidity and 40 % equity on my {$720000.00} home. 
The process was going quite well and we were ready for the " final steps '' and that is when the problems began. 
I got divorced in XXXX and I provided the divorce decree which stipulates the alimony and child support that I receive on a monthly basis. I provided my tax returns showing that taxes are being paid on this amount. In addition, as of XXXX of XXXX I am employed by XXXX XXXX here in XXXX in a management position with a decent salary. 
My ex husband is a XXXX XXXX and travel around doing conferences in the United States and XXXX XXXX. At the time of the settlement it was decided that he open a checking account with my signature so that I could draw my payment every month without having to go chasing him and tracking him down. It has worked successfully up to now and the sole purpose of this account is for that transfer to take place. I deposit that check into my personal account every month. His bank would not do an ACH into my account because although the alimony payment is constant, there is a variable component for the children 's expenses which vary month to month. Bank statements were provided to this effect. Our communication is limited to the children 's needs and have no access to each other 's finances or accounts. The underwriters at quicken which have been many, refuse to understand the situation and are requesting that i need to get his bank statements from his medical practice to show where the funds come from. It is very simple, it is stated in the divorce settlement agreement you don't pay you go to jail. As you can understand, we are not in a amicable situation to be asking for this information. What happened to the three " C 's '' of credit? Character, Credit Worthiness and capacity to repay. I feel that I have been taken for a ride either for the fact that I am a XXXX woman who they feel is trying to get away with something or they do not want to honor the rate that we negotiated and don't know what else to do to turn me down. 
We are in fact looking at a jumbo loan of {$430000.00}, 60 % loan to value. The whole situation is bizarre at what would seem to be a slam dunk deal. 
In reading the reviews for Quicken, I see many common complains where people get bounced around and they don't speak with each other resulting in situations such as mine. I would like my case to be investigated with all details we provided to the. My loan officer, who by the way, was on board from the very beginning was XXXX XXXX and he was very helpfu.
Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX
To start I was going to a school called the XXXX XX/XX/2006. I am not a US citizen, however it was never explained to me that I would n't be able to graduate if I did n't have proper documentation so after two years I was told I could no longer attend but that I would still be required to pay back all my loans. I was young then and ignored everything and let the loans default. After several harassing calls from collection agencies through the years I finally caved in. I understand that I should n't have let them go into default but I still felt that they should n't have approved me for these loans in the first place knowing very well that I was n't a US citizen given the amount of time it tames to become one. One of the last times I got contacted by XXXX Services they told me that I could pay XXXX all at once and my entire balance would be paid off. My loans are over XXXX for all three. I told them they were crazy. There was no way I could do that. The guy I spoke to advised me to take out a loan with my bank or something and I told him that because my credit was so bad because of these defaulted loans I would n't get approved at all. He told me to figure it out and hung up. Again I started ignoring the calls and finally the last time the guy said that I could pay XXXX and the XXXX each month until XXXX and XXXX of the XXXX loans would be paid off. Then the larger one I will have to pay over XXXX for that and that I would have to figure out after XX/XX/XXXX on how to pay that back. Aside from feeling that I should n't have had been approved in the first place has been my last experience with XXXX XXXX XXXX. Just talking to them on the phone it did n't sound like they know what they are doing. They sent me a couple of faxes and at XXXX point they had my name and address wrong. I 'm afraid that i 'll pay this and when it comes to XX/XX/XXXX they 'll XXXX say that it was never applied to the principle and I have just been paying the interest down. I just do n't know what to do.
Re : XXXX To Whom It May Concern : I have reached out to Diversified Consultants several times, certified mail, via fax and email with no response.

This is not a refusal to pay, but a notice that their claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX On XX/XX/18 I sent a certified letter to XXXX XXXX  requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my TransUnion and XXXX   report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. TransUnion and XXXX  are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
I have visible debt collection which was paid in full on XXXX the amount of {$120.00}. I have mailed letter from XXXX of my account balance {$0.00} to the XXXX. Three years later my credit report still shows unpaid ballance. Please resolve this issue so that my account will be clear of any collections. 
Attached please see documents from XXXX and to XXXX proving my payments. 

Sincerely,
I have been monitoring my credit report with Transunion only for about 3 months. I had an identity theft a few years ago and it was never resolved. I was forced into a bankruptcy in 2015. I have been working very hard to get my credit repaired, but Transunion seems to be very careless about what they put on a person 's report. They have multiple inaccuracies, first, I have an auto loan with XXXX XXXX XXXX. I am showing as about 6 months late payments. This loan is in litigation with the XXXX XXXX XXXX for harassing collection calls made to me when my payments were not late. Since the attorney took this case, XXXX has mailed me back every payment I have sent them. They will not talk to me at all about the account, saying that everything is on hold pending the resolution of this. They will not make this known to Transunion. 
Also, I have disputed several times collection accounts that have appeared on the report. These are not my accounts. They will not remove them. I also have some medical collections which should not be there, as to my knowledge, my insurance covered. I was told by the doctor that I have no copay and did not owe anything, yet these remain. 
Today I received a notice that a new collection went on, but I can not find it. It took 80 points from my score. 
The only item new is the report showing that I used my credit card. 
The other issue is that I want an explanation as to why a credit score determines what you have to pay for Car Insurance, House Insurance, Life Insurance, and whether you can have a bank account. This is OUTRAGEOUS! There is NO VALID reason why this should be as it is. 
These Credit Reporting Bureaus should be ABOLISHED!! They are causing untold destruction to people who have had things happen that are NOT in their CONTROL!
First threatening phone call made on XX/XX/2018. A message stating a case number, a 24 hour deadline, impersonating a police XXXX, threatening legal action and arrest was left on my grandfathers answering machine. He called me afraid for me. XX/XX/2018 I called back XXXX XXXX XXXX. While on the phone with a XXXX XXXX, XXXX XXXX, trying to sort out why I was being called about a debt I had already paid the year before to a Foster and XXXX, I received a phone call from my grandfather who said they had called him a second time. Again aggressively threatening to put me in jail, court action, using foul language, and giving a 24 hour deadline. I was unable to sort it out with them. They demanded proof of the debt behind paid off. Bank records werent enough. They wanted a letter from the previous company. I called XXXX and XXXX who conveniently had no record of the debt or me paying it off. They directed me to a Southwestern Investor Group who they said hired them to collect the debt. I called Southwestern Investor Group who said they only had record of one payment. They put me on hold, when they returned they said they would mark it as paid, they would mail out a letter ( I  never gave an address ), they would email ( they did ask me for my email address ) me a copy to forward to XXXX XXXX XXXX, and they would contact Cornerstone who they sold the debt to, let them know it was marked paid, and who they assumed hired XXXX XXXX XXXX. I never received an email. I called back around XXXX, as their website says they are open until five Monday  through Thursday. I was sent to an answering machine that said their hours were until XXXX. And, their answering machine was so full I couldnt even leave a message.
XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at XXXX and experian they wouldn't take care of the negative inquiries reporting on my credit report
Bank of America has an illegal lien on my property and is refusing to send me a lien release letter to have it removed. The mortgage, which precipitated the lien, has been paid off. On XXXX/XXXX/XXXX, a title was issued on a mobile home I purchased - Illinois Title number XXXX. My mortgage lender, XXXX XXXX Bank XXXX XXXX XXXX FDIC # XXXX XXXX, put a lien on the title for the received mortgage. According to FDIC information, XXXX XXXX Bank XXXX XXXX XXXX has been " merged or acquired without government assistance ''. The website states " see the successor institution, Bank of America , National Association XXXX FDIC # XXXX ). '' This proves that Bank of America is in fact the successor to this bank. Bank of America has denied that they are XXXX 's successor, and have told me that the bank is still in existence and that I should contact them. However, they can not provide me with a phone number or address for said bank. BofA has also stated that they need a title search, which has been repeatedly faxed. In request # XXXX to Bank of America, talking to XXXX in Mortgage Customer Service ( XXXX ), XXXX told me on XXXX XXXX, XXXX that I would hear about the matter by Friday, XXXX XXXX. In request # XXXX, I faxed to XXXX, a copy of a title search from the IL Sec XXXX XXXX 's office, a copy of a previous mortgage statement from XXXX ( a former name of Bank of America XXXX with loan number XXXX at the top, and a copy of the webpage from the FDIC website stating that Bank of America is the successor bank to XXXX XXXX Bank XXXX XXXX, IL. As I heard nothing by noon on Friday, XXXX XXXX, I called again and talked to " XXXX '' and asked her to message XXXX telling her that if I did n't hear back from her by the end of that day concerning that matter, I would follow through with a complaint to the OCC. I heard nothing. The effort to resolve this matter began around XXXX XXXX with efforts daily from both me and my title company XXXX XXXX XXXX XXXX XXXX, IL ). Bank of America has shown me nothing to show they still have any reason for continued interest in the form of a lien on this property. The mortgage was paid off in XXXX. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX XXXX Bank. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX, XXXX. On XXXX XXXX, XXXX, XXXX was renamed to Bank of America. I have mortgage statements and cancelled checks in the name of XXXX still in my possession, and have been faxed to Bank of America. The XXXX number of the mobile home is XXXX. The title number is XXXX. The loan number on my old XXXX statements is XXXX. Bank of America tells me that the mortgage is too old to still be in their system. It is on their burden to show that I still owe any money to them on this loan. Failure to be able to show that, the bank should produce a lien release letter. A title search has been supplied to them on multiple occasions, and proof that the loan landed in their hands has also been supplied through both FDIC information, and an old mortgage statement.
Ref : XXXX XXXX XXXX  / Shellpoint Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX XXXX Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX