WillisBack/dataset-financial-user-claim huggingface dataset:
I am working towards Public Service Loan Forgiveness ( PSLF ). I have been employed full time by a XXXX XXXX since XXXX. When I first got into my repayment plan in XXXX, I told Navient representatives that I would be working towards PSLF. I was enrolled in an income based repayment plan at that time and over the next several years I was assured multiple times that I was on track to have my loans forgiven after the 120 payments were received. 

In XXXX, half of my federal loans were transferred to XXXX. I didn't even realize that they had only taken half of my loans because I still had several private loans being managed by Navient. In XXXX, I called XXXX to question why they had only taken half of my loans. I was informed that half of my federal loans were direct loans and half of them were FFEL ( the wrong kind of loan for PSLF ). Nobody had ever informed me of this. I was able to simply consolidate my FFEL loans and start working towards PSLF on those loans. 

So now, half of my federal loans are on track to be forgiven in XXXX and the other half won't be forgiven until XXXX. This is despite working full time, for a government agency, making on time payments the entire time. That is 4 years of interest and payments that I can't afford to make.
I have not received any notice of collection from any agency. There was no provided attempt to pay a simple amount.
I sent a Qualified Written Request to XXXX XXXX XXXX XXXX XXXX, because the servicers informed me that this bank is the trustee of the alleged trust that they say is the owner of the alleged loan. XXXX XXXX XXXX XXXX received my QWR on XXXX XX/XX/XXXX. I sent the letter certified with return receipt. Up to this date I have not received the acknowledge of the receive of my letter as it is required according to Respa, they supposed to acknowledge the letter five days after receiving the letter and then, up to 30 days to answer. Due of the conflicting information and the fabricated copy of the alleged original note from the servicers, I believe, that the alleged trustee can give me the correct information. First, I was told that a XXXX XXXX is the legitimate lender/creditor who provided the funds for my loan on XXXX, this information was disclosed to me at the beginning of this year XXXX. The original lender identified on my trust deed and note, was not the lender, and I was not informed that the XXXX XXXX XXXX investors were providing the funds. Furthermore, I was never informed that the alleged loan was securitized. I checked the records of the alleged securitized loan and found out that XXXX XXXX, XXXX XXXX XXXX was dissolved on XX/XX/XXXX due of fraud, in addition this alleged loan was satisfied even before the trust was dissolved by the credit swap insurance. Bank of America has collected payments and inflated fees from me from XXXX up to XXXX, XXXX, then it transferred the service to XXXX XXXX that collected from me from XXXX, XXXX to XX/XX/XXXX, and transferred the service to XXXX XXXX XXXX, who has been collecting from me since XX/XX/XXXX and current. Since these servicers have failed to proof that they have rights to collect on this alleged, not existent loan, I'm requesting answers from the alleged trustee of a trust that doesn't exist. I want to know if it is part of the scheme, or its name is just been used. For that reason I want a certified copy two sided of the original note and trust deed with all assignments and endorsements. Or otherwise a letter stating that this bank is not the trustee of this non-existent trust.
i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me.
XX/XX/2017 It showed up on my XXXX XXXX XXXX/XXXX XXXX Never heard of them
My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the bank.
X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Account handled by F J Hanna now turned over to new attorney - XXXX. Never received debt information from Hanna.
I purchased a laptop from XXXX online store on XX/XX/18. XXXX claimed to have delivered the item XX/XX/18 to my home address. However, I was out of state from the morning of XX/XX/18 until XX/XX/18 as can be seen by my XX/XX/2018 credit card statement that I have attached. I filed a dispute to my credit card company Citibank. Citibank contacted XXXX and XXXX responded with invoice and tracking confirmation from XXXX   that stated that it was delivered but I still do not have the product. The credit card company now claims that they can not do anything now because XXXX provided a tracking confirmation about the delivery. They would not do anything even with a police report ( attached ) to back my statement. They asked me to contact XXXX and try to resolve the dispute. I tried contacting XXXX with no success. Their customer representatives repeatedly transferred me in circles multiple times lasting for about an hour. Citibank is forcing me to pay for the bill for an item that I did not receive.
XXXX/XXXX XXXX/XXXX XXXX, yes all three have been harassing me over an erroneous account that I have never once even seen a bill for or received anything showing me that this account is mine. I told XXXX XXXX a few months ago to leave me alone after substantial harassment and lack of any evidence of a {$640.00} debt. CFPB you actually investigated this and found my statement to be true and had the credit bureaus remove the account t from my credit report. I was told I would be left alone. Next thing I know a couple months later and this account was sold to XXXX XXXX and now I am being harassed again. I yet again have not ever once received a bill, a statement, or anything from anyone showing this is my account. I am not repsonsible for this {$640.00} debt that keeps popping up In my credit report and causing me me undue XXXX  and XXXX. This is not mine!! No one has ever provided evidence this is a real account even so how is that legal? CFPB, this is not right you lied to me and told me this was taken care of with XXXX  and now your doing nothing about this debt being resold and readded. There is no difference in this debt and it not being mine from when it was removed when it was owned by XXXX to it being owned by XXXX now. It should be removed just like it was before and I should be left alone. This is a major violation to my FCRA rights!

I seen today that CFPB is under some hot water for leaks within the agency and now I believe it!!
To whom it may concern, I had paid off an XXXX XXXX credit card through XXXX XXXX. I made an agreement to pay in full to satisfy the payment history. I made the full payment of XXXX on XXXX XXXX 2016 and they still have satisfied their promise. I have tried numerous time to make contact with the current person from XXXX XXXX card services but I am never able to receive assist. I am making a complaint today because Experian disputes results say that it was update and its was not! This account is still reporting inaccuracy it states that in XXXX I failed to pay, but it was paid off in XXXX. No one seem to care about the fact that this account was promised to be removed with full payment. I spoke with XXXX from Experian and like always unwilling to help! Can you assist me on making sure that I have been treated fairly.
Navient Student L oans created obstacles to my repayment by providing bad information and illegally cheated me out of their rights to lower payments, which caused them to overpay for their student loans.
Trying to open an account on the application on my mobile phone XXXX XXXX, but supposedly Huntington bank is not partnered with XXXX XXXX and it wo n't let me complete the set up. However, it has been complicated because XXXX XXXX was able to put a trial deposit of XXXX cents and XXXX cents into my checking account successfully.
My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.
Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.
On XX/XX/XXXX, A Bank of America credit card was fraudulently opened in my name. 
It was my understanding that the thief stole my complete identity, even opened a checking account in my name. 
I got to know of this in XX/XX/XXXX when I tried to purchase a vehicle and got declined. 
I have filed a police report since then and notified Bank of America and the Bureau about this fraudulent account. 
Bank of America have literally not removed this account off my XXXX and XXXX credit reports despite the fact the notified me through their collection team they will do that. 
Their negligence have costed me to pay high interests on my credit cards e.t.c I am asking CFPB to Intervene as the next action will be a lawsuit to get back all of my losses. 
I need the fradulent account removed and a compensation of {$1000.00} for violating the credit bureau reporting act. 


Account info : Bank of America XXXX Date Opened XX/XX/XXXX
WHAT ARE YOU GOING TO DO WITH MY FINANCIAL LIFE POSSIBLY BEEN DESTROYED AND MY ALL INFO BEEN UP FOR BAD GUYS GRAB TILL THE END OF MY LIFE AND FOREVER EVER??????????????????? 
I GAVE NO CONTENT TO KEEP MY PRIVATE INFO AND USE IT WITHOUT MY EXPLICIT CONTENT! 
CLOSE ALL CREDIT SCAMMING OUTFITS - THE INFO THEY HAVE IS MY PRIVATE INFO - I DO NOT WANT IT TO BE KEPT IN ONE PLACE " GUARDED : BY XXXX  MUSIC MAJORS
We have been dealing with a foreign vendor that has was not able to ship out a very expensive dog slat mill from purchase time in mid XXXX. This vendor has been desperate to not refund the money and has said what it took for us to consider salvaging the deal. So we had a dispute with him and closed that dispute as he promised to get the merchandise to us. This vendor knew where we lived as he charged shipping as part of the original item quote. He still could not get it shipped to us and I filed a complaint with the CFPB back in XXXX because my credit card company would not re-open the dispute. They only re-opened the dispute after I filed my CFPB complaint. Meanwhile the vendor told my husband in an e-mail that he had to take the item apart to limit weight to send air freight and that if he could n't send it out within a week from XXXX XXXX, 2017 that he would refund our money. We never heard back so after a week and 1/2 I contacted him and he was very rude saying I had called him names and a scam, which is not true. I said I was inquiring about the refund he promised if unable to ship a week from XXXX/XXXX/17. It was now XXXX/XXXX/17. He simply comments he will refund the money if not able to send out. I told him in that e-mail enough was enough and not IF he would refund ... but WHEN he would refund. So when my credit card company ( Citibank ) re-opened the dispute they gave me a conditional credit back. The vendor had NEVER communicated with us since that XXXX XXXX, 2017 e-mail. He never shipped out the item. IF he had we would have had tracking information, etc. SO what does he tell my credit card company? He tells them he shipped the item. I never even saw what he provided my cc company. However, what did they do? They put the charges back on my credit card and now I am over the credit limit. Really? I am their client that they should protect from unprofessional vendors who have a history of scamming people. 
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX will scam you. : XXXX XXXX I actually just posted on the facebook page about XXXX being a scam artist. 
I did sign, date, and resubmit the emails to my credit card company indicating I want the dispute to continue. The cc company has an obligation to make it right with the consumer. It is a {$1500.00} item, and we absolutely did not receive this item. Being located in a remote, rural area, it is very easy to see if an item was sent or received. I want the credit card company to refund my money and close the dispute recognizing that the vendor is fraudulent and again owes some level of protection to the person they have obtaining credit through them.
Many unauthorized inquires were disputed. Inquiries were removed but were recently reinserted on my credit report negatively affecting my credit score. I have called transunion and fought to have inquiries removed. Transunion will not delete inquiries even though they were unauthorized by me.
I called Navient earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus XXXX and XXXX on Monday, XX/XX/XXXX that my credit score had dropped XXXX points. I opened my credit reports to notice that my Navient student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.
Received a letter in the mail stating I owe {$100.00}. After speaking to the practice and the billing company for the practice, both stated I do not have a balance and they are not aware of who this law office is. I left two messages for the law office to call me, no return phone call. No one answers at the phone number listed and I also tried another phone number that goes to a voicemail.
I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business.
PENNYMAC AT THE REQUEST OF THE INVESTOR WHICH IS XXXX XXXX XXXX HANDLED THE APPLICATION PRIOR TO THE PRIMARY BORROWER WHICH PASSED XX/XX/XXXX. PRIMARY BORROWER WAS INSURED BY OPM/OFFICE OF WORKERS COMP SINCE XX/XX/XXXX. BOTH BORROWERS WAS TOTALLY TAKEN ADVANTAGE OF SINCE THE BEGINING WHEN AT NAUGLE REQUEST MONEY BE LOANED TO HELP RAISE THERE XXXX CHILDREN FROM INJURY. AT THE REQUEST THAT THEY WOULD RESPECT THERE WISHES TO BE ASSISTED BY SON THAT HAS THE ABILITY TO COMPLY AND COMPLETE AND MOST IMPORTANTLY TO BE ABLE TO ADDRESS ISSUES WHEN CLEARLY FEDERAL GUIDELINES ARE UNLAWFULLY BEING REFUSED TO COMPLY FOR NO OTHER REASON BUT TO DISCRIMINATE AGAINST MENTALLY ILL APPLICANT FOR THE INVESTORS FINICAL GAIN. THIS IS NOTHING ELSE BUT TO CAUSE SENIORS TO FULLY BE TAKEN ADVANTAGE OF AND CAUSE TO OWNERS TO LOOSE THEIR ONLY PLACE OF RESIDENCE. PENNYMAC NEVER ACCETED COMPLETED APP. ALWAYS ANSWERED AS NONCOMPLETE WITH EVER SOURCE OF INCOME BEING GIVEN & AWARDS OF SSDI, SSI. XXXX XXXX PRIMARY BORROWER PASSED WITH A WRONGFUL DEATH THE APP WAS DENIED AND RECOMMENDED FORCLOSUREWITH NO ASST PROVIDED OR RESPECTFULLY ALLOWING SON WITH THE ABILITY TO ENFORCE COMPLIANCE FOR ADDITIONAL OPTIONS TO SAVE HOME. TREATENED MENTALLY ILL APPLICANT WHEN SHE SHOULD HAVE BEEN RESPECTFULLY BEEN GIVEN THE TIME TO GRIEVE PENNYMAC DID NOTHING ELSE BUT TO SEEN WORKER FROM PENNYMAC TO FORCE THERE SELF IN SENIORS HOME FOR PICTURES AND TOLD CO BORROWER THE RESIDENCE WOULD BEEN FORCLOSURE WITHIN DAYS TO TAKE STEPS TO ASSURE VACANTING THE HOUSE WOULD OFFER ALITTLE TO NONE AND HER BELONGINGS WOULD BE TROWN OUT OF RESIDENCE INTO FRONT YARD 30 YEARS OF BELONGINGS. PENNYMAC AS WELL AS XXXX XXXX XXXX DOES NOT RESPECT OUR FEDERAL LAWS ASSURING TO ALL AMERICANS BEING A HOMEOWNERS IS POSSIBLE. THERE MAIN FOCUS AND ONLY CONCERN IS HIGH GAINS AND THE PROPERTY IS LOST FOR THEM TO TAKE OUR HOMES. 

THANKS PENNYMAC & XXXX XXXX XXXX
This is a follow-up to Case XXXX. Chase Bank cancelled the account at issue there and issued us new cards with a new number. However they are now interrogating merchants who received payment before the old card was cancelled.I have received calls from my dentist, pottery studio, exercise studio, and beauty salon all informing me that Visa has asked them for numerous documents and charge slips from payments which I made. The beauty salon said Visa told them that I had challenged a charge. That is not true. At no time were we ( my husband and me ) contacted about any of this. When I called Visa they said the cancelled card was being investigated for fraud and someone would call me back within 48 hours. I received no call. The person who we previously spoke to at Chase assured us that this was their mistake, could offer no explanation as to why the merchants I deal with are being harassed, and said there was nothing he could do about the situation.I am quite upset that people I do business with are being harassed over my account, particularly because there is no fraud involved here, rather, as explained in the previous complaint, the cancellation was due to Chase mistakenly cancelling our card allegedly because someone with the same name as my husband asked that it be cancelled - anexplanation which we find dubious.
Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working <here>? '' I said because of her attitude that I was terminating the call and to have a nice day. 

She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. 

She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. 

Then she called my father-in-law immediately after that on his cell phone. 

This, after I said I needed to check to see if this was my account as I didn't remember it.
I feel that I was taken advantage of by XXXX XXXX / Navient from the beginning because of my age. XXXX XXXX never questioned my ability to repay my loan. They never considered my age when the loans were given to me. I am XXXX and have over One Hundred and Seventy Thousand Dollars in Parent Plus Loans. The total just keeps growing because I have been consistently pushed into Deferment/forbearance due to my inability to pay the large amounts they are asking for each month. I hand no way to repay the loans when the loan money was obtained and have been unable to get any reasonable repayment amount based on my income. I cant take {$500.00} to 600 out of my paycheck each month a still survive. I intended to repay this loan back in full but now I realize that I will not live long enough to even close. Please help me as my only way out is if I die.
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting my credit.
In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.