WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by their company to consolidate my loans, the man on the phone said it was the right thing to do and he cared about my problems. I was already paying another company {$5.00} a month, but was told consolidating with their company was the way to go. The man on the phone said it was easy and would walk me through all the steps on the computer. Of course, it was not easy and took much longer than expected. The man spoke very quickly ... I had little time to think about the decisions I was making, I just would click the buttons and move on. I chose the REPAYE payment plan which showed that I should only pay about XXXX-XXXX dollars per month as I make XXXX per year and care for my invalid mother. Now I have received a bill from their company for {$400.00} per month! One is already overdue! Worse yet, I went to the Dept. Of Ed. website and my student loans have appeared to double!!! As their company AND the previous company are showing me owing them both for the same student loan! I thought I was doing the right thing, I wanted to get my loans in order after years of neglecting them ... but this company has taken my trust and used it to their advantage! I will never be able to make these payments!
I HAD NOT BEEN PAID ON TIME FROM XXXX AND I HAD BEEN CHARGED OUTRAGEOUS FEES BY AMEX SERVE.
I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN XXXX
I recently submitted an online dispute in regards to two collection accounts being reported incorrectly and in violation of the FCRA. 

Account 1 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

Account 2 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

I submitted documentation for account XXXX showing : XXXX XXXX XXXX had been reporting false information ( balance, status of account ), discrepancies in data across the different credit reporting bureaus ( date account opened, date of account first major delinquency ), showed where the account was CLOSED in XXXX, and finally documentation that I worked with the original creditor and they updated my profile and deleted the account from the credit reporting bureaus. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXXn and Equifax reports showing XXXX XXXX XXXX reported a balance of {$1500.00}, yet the original creditor ( XXXX XXXX XXXX ) reported my highest balance ever as {$1400.00}. 

XXXX. Equifax reports : XXXX XXXX XXXX was reporting an opened date of XXXX/XXXX/XXXX and the Date of Major Delinquency First Reported as XXXX, XXXX XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date of Major Delinquency First as XXXX. While on my XXXX reports, XXXX XXXX XXXX was reporting an open date of XXXX/XXXX/XXXX. Yet, XXXX XXXX XXXX has an open date of XXXX/XXXX/XXXX. The opening date varies from the original creditor as well as on my different reports. This information was verified though. There can not be multiple dates that an account was opened. 

XXXX. XXXX reports showing this account had been closed in XXXX. My XXXX report specifically showed XXXX XXXX : XXXX/XXXX/XXXX. The account still shows under closed accounts on my Equifax report. 

XXXX. XXXX reports : showed the original creditor ( XXXX XXXX XXXX ) had reported a PAY STATUS as ACCOUNT PAID IN FULL ; WAS A CHARGE OFF. 

XXXX. XXXX and Equifax reports showing original creditor XXXX XXXX XXXX XXXX XXXX had deleted the account from the bureaus effective XXXX XXXX. 

I submitted documentation showing that account XXXX has been reporting incorrectly. The documentation shows XXXX XXXX XXXX is reporting false information ( balance, date account opened, date of major delinquency first reported XXXX. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXX and Equifax reports : showing XXXX XXXX XXXX reported a balance of {$630.00}, yet the highest balance ever on the account was {$630.00}. 

2. XXXX and Equifax reports : The original XXXX XXXX XXXX reports the charge off amount as {$300.00}. 

XXXX. Equifax Report : XXXX XXXX XXXX reports the account was opened on XXXX/XXXX/XXXX and they report the Date of Major Delinquency First Reported : XXXX. The original creditor XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date Major Delinquency First Reported : XXXX. XXXX XXXX is reporting an open date of XXXX/XXXX/XXXX on XXXX
Easy Money XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at Easy Money, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for Easy Money, was collection, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to Easy Money XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

Easy Money does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to Easy Money for Pay Day Loan. 

I request assistance in resolving this matter.
Experian, XXXX and XXXX  are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices. 

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.
When applying to refinance my vehicle, the lender reported equifax had no record of me. 
I called Equifax and they agreed-I had no credit or report. I am a homeowner, business owner, and have my background and credit pulled annually by government contractors. 
Equifax was absolutely no help as their phone operators and management could not speak english well enough for me to understand what they were saying. Can anyone suggest a remedy to this frustrating experience? 

XXXX XXXX XXXX XXXX XXXX
I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!
I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.
I have a loan with Chase Auto Loan for a XXXX XXXX XXXX. However, on Thursday, XXXX XXXX, XXXX. I was contacted by a Vendor of Chase Auto Loans at phone number XXXX on three occassions XXXX, XXXX, XXXX hours. which, I dismissed all calls because no messages were left on my phone. I felt that they were telemarketer calls. At XXXX I received a text message from my ex-husband ( after 11 years of divorce ) stating that he had received a call from a lady, named XXXX who claimed to be a skip tracer on the details of the repossession of my XXXX XXXX XXXX, she violated my privacy. She told him that he was XXXX of my references on the loan and that my son was a co-signer both statements were untrue. It digusts me that she would tell such blatant lies. 
He then got in touch with me and told me what he was told. My ex-husband is a XXXX XXXX and will assist in pursuing a resolution to Violation of Privacy matter. The vehicle is no longer in reposession status. 
I have serious reservations that anyone who chooses to can violate someones privacy without any concious for doing the wrong thing. I feel if this was done to me, it 's happening to many others who never file claims.
This information appears on my credit report, attempted to reach out to the company to request information, regarding this account. But instead my personal information was shared with another customer. I'm disputing those charges, because I was denied treatment,. This company has made calls and emails to friends, and family members unauthorized. Made numerous calls without identifying themselves as a debt- collector company. I have attempted to reach out to supervisor at the company, to file complaints concerning their actions, but my concern and complaints was dismissed. Therefore, I m going outside the box to draw attention to Capital Accounts, negligence on sharing my information, as well as violating my rights, refusing to provide me with Information regarding this account. 

Please look into this matters, as a consumer XXXX XXXX XXXX ( XXXX ) XXXX
I have contacted Equifax multiple times in regards to inaccuracies on my credit file. 

When I take advantage of the free credit report via XXXX ; I am told that I have not provided sufficient information to access my credit file.I am told I will need to send a paper request in to Equifax. A process that I have done XXXX. Each time I receive a letter back that my information does not match what is on my credit file. 

I managed to talk to a lady to start a dispute process which allowed me to view a little of " my '' credit file - to which I discovered that they have placed numerous items on my credit file which are not mine. 

I am XXXX years old and have never taken a loan out for anything. I have no credit cards. And I have only performed XXXX credit check to get a starter loan. Which is how I discovered this problem to begin with. 

They have mixed my sister 's name, and my name together. They have My first name, her middle initial, my last name ( she is married ), and her birthday. Along with the numerous items on my credit that are n't mine. 

I have provided them with multiple copies of my driver 's license ( South Carolina issued ), my Social Security card ( I have contacted the SS office and verified that only XXXX card exists for that number and I have it in my possession ), and a valid check stub from my current employer ( XXXX ). I have included a brief letter stating that they had my sister 's information and my information mixed. As to which their response was that I needed to send the EXACT information that I had sent with the same letter. 

I have ran out of options and have contemplated contacting a lawyer to speak on my behalf. I was provided the information to contact the CPB via a reference from my sister. 

Any help and guidance is greatly appreciated at this point. I am currently wanting to move forward with my life, but I am unable to do so because of this problem. 

Thank you
In 2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first house or transferring credit card debt to a 0 % APR so that I can pay that down faster with out any interest. Please advise. Thank you!
I bought my house in XXXX, my first lender was " XXXX ''. Couples months later my mortgage was sold to " Bank of America ''. In XXXX I applied for a loan modification and got approved. Couples months after the loan modification Bank of America resold my mortgage to XXXX XXXX XXXX XXXX Bank ''. About 2 years later or XXXX XXXX Bank of America repurchased my mortgage ( for the second time ) now from XXXX XXXX XXXX Bank. But since XXXX XXXX, XXXX I started receiving letters from Bank of America telling me that my house is going on foreclosure while I am not behind on my mortgage payment. They keep sending me a bunch of options to stop the foreclosure what kind of nonsense is that?
This people keep calling me and harassing 3 to 5 times with different numbers, talking rudely and extremely irrespecutful and in a harassing way.
I have recieved two charges to my XXXX XXXX debit card that I did not authorise from D2 Management LLC I have already canceled my card and called XXXX XXXX to file a complaint.
I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.
Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.
Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!
There are about XXXX inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.
I ws looking at my account and a see the minumium payme is like XXXX for a balance that i old of Current Balance {$1100.00}, i try to adress that with the costomer services..but they say is nothing they can do. here is what they say : Thank you for patiently waiting. Please be informed that this account is accumulated by a monthly interest of 2.50 % of current balance. As per XXXX/XXXX/XXXX account was charged of {$49.00} interest and yes you are correct. The minimum payment is {$110.00} good until XXXX/XXXX/XXXX. 


As much as we would like to have your APR adjusted, unfortunately, we do not provide annual percentage rate reductions. The current rate you have is all that we can offer.
I tried contacting Nelnet on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.