WillisBack/dataset-financial-user-claim huggingface dataset:
Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments. 
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}. 
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}. 
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX. 
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX. 
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time. 
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.
Over the past 12 months my monthly payment for my private student loans through Navient have steadily increased. On XX/XX/XXXX my monthly payment was {$740.00}. By XX/XX/XXXX, the amount increased to {$750.00}. The amount increased again just this month, XX/XX/XXXX, to {$760.00}. My loans are private and have a variable interest rate so I do understand that these rates will fluctuate from time to time. However, prior to the past 12 months, rates only increase once a year and it has a tiny effect on my monthly payment. Now it feels like every month when I login, I'm paying more and more and more. I called Navient back in XX/XX/XXXX for some clarification on the matter and the female service rep who took my call coldly replied, " we do not set the interest rates ''. Duh! I know that but I was seeking insight as to intangibles that could be possibly make my payment increase every 2-3 months. I'm certain interest rates are not changing THAT often. When I explained this to the rep, she again replied, " We do not set the interest rates ''. She was no help at all, nor was she trying to be. 

Additionally, in XX/XX/XXXX, I lost my job and reached out to Navient for assistance with paying my loans. A deferment would have been most ideal for my circumstances as I was living off my last paycheck from work and very little savings. The customer service rep did not offer me a deferment. Nor were they willing to help me get a lower monthly payment based on my current income. I was told my ONLY option was to do a forbearance and that in order to obtain such for 3 months I had to pay a {$150.00} service charge. Why am I paying you {$150.00} to forbear my loans? If I'm struggling to pay my current loan amount, what makes you think I have {$150.00} extra dollars to give you? Out of desperation for relief, I went with the forbearance but the entire the rep processed my payment over the phone I felt cheated. I knew I was been mislead and taken advantage of ( as if owing {$34000.00} in student loans with an 11.2 % interest rate isn't bad enough ). I can only imagine what other borrowers may be going through. To be clear, I have no problem paying back my student loans. They allowed me to invest in myself and further my education ; however, I would like to be treated fairly in the repayment process, which I feel I have not.
I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.
I believe Chase is violating federal law in how payments are applied. According to the Credit Card Act of 2009, lenders are required to apply payments in excess of the minimum payment to the balance with the highest interest rate first. This hasnt happen in my case. I have a balance transfer balance of 0 % APR and while I know purchases carry interest immediately, I made payments each time after those transactions posted. Customer service explained to me that payments are applied to the statement balance first before other transactions. That means its not possible to pay off high interest transactions while a balance is carried until after the monthly statement is provided? The law doesnt say anything about statement balances in payment allocation. No other bank does it this way. Ive used other credit cards with different balances and never had this issue before. It started with a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, and a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX The last statement shows a purchase balance of {$360.00} that should be close to XXXX. I was charged a {$7.00} interest charge the last couple statements that Ill like credited back.
I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.
I was a victim of identity theft, and someone took out an auto loan in my name. The fraudulent loan is from XXXX XXXX XXXX. After calling the credit bureaus they asked me to submit some documents to help me recover my credit since the loan had gone delinquent it was really hurting my credit. I sent in the proper documents that the 3 credit bureaus requested me to send them. They requested a identity theft report, and police report, which I provided as well as multiple documents verifying who I am specifically, my drivers license and a loan payment as verification. I have sent in this information to recover my credit and in no less than a couple of months BOTH XXXX, and XXXX  promptly did a thorough investigation, and removed the fraudulent account. Unfortunately, Equifax has NOT done a thorough investigation even once of this fraudulent account, I know this because I've spoken to the original lender chase, and they said they HAVE NOT received any such documents from Equifax which proves that when Equifax says they have " verified '' this account there's no WAY they can verify it if they haven't actually sent my documents to the lender. If they did, then they would have removed it just like XXXX  and XXXX have. I've submitted this information over 7 times already, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax has done nothing new, all they say is that the creditor has verified the account, when I know a proper investigation has NOT been carried out, my rights are being violated, please help me. Equifax has all the records and paperwork that I've sent it, so no need for me to attach all the documents here. 

XXXX XXXX
I have XXXX issues. XXXX XXXX is showing a student loan that was forgiven with a XXXX balance but a 120 day past due still on my credit report. Also XXXX XXXX is showing a student loan for {$2300.00} that was supposed to be forgiven due to XXXX eligibility and is still not taken care of.
There is a bankruptcy listed on my Equifax report that was settled, paid in full and closed in 2007. It is still listed under deragotory complaints. I believe this should ne romoved as it was resolved 9 years ago.
I contacted Transunion about an Unauthorized Hard Credit Inquiry that appears on my report. I have tried unsuccessfully to have it remove as they claim they are not able to do that. I have contacted the company ( see below ) and also requested they remove it and they told me it was an Error on Transunion 's part as they did not do a hard pull. Neither wants to address the problem and I want this information taken out of my report as it is inaccurate and possibly a fraudulent request to obtain information about me without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/2016
XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
I am in the process of purchasing a home and noticed that Syncb/Qvc marked me late for XX/17 for 30 days and XX/17 for 60 days. I never recieved a statment or anything showing I was past due. To my knowledge the last payment I made paid off the balance I was owing. I have called to Syncb and they are only willing to credit me the late fees and have refused to remove the lates from my credit report. There was only {$44.00} owed which I dont know how it happened because I have not used this card in quite some time and they closed the account due to in activity.
I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.
I am disputing DOB information reported by EQUIFAX. I have disputed the information on my credit report now for almost two months every other day. I am asked to show identification documents so that EQUIFAX will change the information ; however, the documentation they ask for is used for IDENTITY THEFT purposes and I am a VICTIM. 
They will not REMOVE the DOB from the credit report and I have included a Consumer Statement indicating that the information they report is INCORRECT. 
I feel that the person who STOLE my identity is in touch with EQUIFAX by phone and the contact is the reason why the DOB has not been changed.
So I filed a dispute with Equifax, about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said they verified the information through the county where I live. I then responded to them and informed them that they cant possible verify information through the county of michigan, because the county does not  have that information and does not give that information to credit company 's and third parties. The verification would have to come from the federal bankruptcy court in which it was filed, and the clerk off will not also give that information to credit company 's and third parties. so this is proof that a fraudulent verification was conducted, or not done at all. and if they used XXXX I have a security freeze with this company., so since they are unable to verify this information please remove this incorrect form my credit profile IMMEDIATELY.
My debit card was stolen along with my ID and information related to a former vehicle I had. A charge was made for nearly {$1200.00} by merchant " ewing bros ''. I went to the bank and submitted a dispute through them as fraud charge. The bank sends me a letter refusing to honor my claim since the merchant was able to respond. The bank did not provide me with a way to dispute The documentation submitted by the merchant unlike most banks. The bank also refused to activate a new debit card in the mail which they sent me. I feel as if the bank is ignoring me and disregarding me as a customer for some merchant who is local.
I tried to purchase {$300.00} two different times onXX/XX/XXXXfrom CoinBase, but the transaction was not completed due to insufficient funds in the bank account. I did not receive any BTC from CoinBase and my bank account was not charged. 

Sometime aroundXX/XX/XXXX, my Coinbase account was frozen and I was not allowed to complete any transactions. I immediately sent a support ticket to them and was told that they would get back to me within 7 days due to high volumes of cases. 

On XX/XX/, XXXXoinbase withdrew {$600.00} worth of BTC ( XXXX ) from my Coinbase account without any warning to me. I immediately followed up with them, and they told me that the proper escalations were made, but there would be a delay due to high case volumes. 

It is nowXX/XX/XXXXand a month has passed since I have submitted the ticket and I have not received a response from Coinbase yet. 

I have verified my Coinbase transaction history against my bank statement and they are correct. Looking at just the {$300.00} transactions, I have 5 transactions for {$300.00} shown on my Coinbase transaction history and 5 transactions for {$300.00} shown on my bank statement. I have sent this information to them, but I have not received a response yet. 

I am frustrated by the lack of communication. Furthermore, I am not sure what to expect as a response from them and if I will even be able to appeal the decision without having to wait another month for a response. The very nature of the product they are providing is time sensitive and the lack of a timely response is unacceptable.
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX XXXX and Trans Union. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( 3 ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. Thank you
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) Chase Mortgage, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
I have 1 bill on my credit for XXXX  and I have attempted to contact them 30+ times to remove this. I have not been successful. I've called the collection company, left messages and sent letters. No reply. This is not my debt. I am not sure where they are sending this bill or why it is on my report.
I became a victim of identity theft in  XX/XX/XXXX    when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission  one  of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on  XX/XX/XXXX  they showed received on  XXXX  but I had to call today and was told that they are backlogged but they will have the information sent to the  investigator  and she will call me on Monday  XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on  XX/XX/XXXX  is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not  10.  Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if  one investigator  from the last case stated he just do n't know. I want this cleared up immediately. The current case number is  XXXX . Sincerely,  XXXX   XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because AES and The National Collegiate trust refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at XXXX, XXXX XXXX XXXX XXXX, XXXX ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.