WillisBack/dataset-financial-user-claim huggingface dataset:
I attended college XX/XX/XXXX at XXXX at XXXX and I have been paying off loan since XX/XX/XXXX and have not made a dent in the amount owed. A matter of fact, I often questioned the amount owed and asked for copies of my promissory note, which I have never received. Through the years, my loan was transferred from one entity to the next and the outcome for me was increased in the amount owed. I continued to get hidden cost and the amount seems never to go down. It has been {$60000.00} owed for a long time and I have been paying anywhere from {$500.00} to {$400.00} a month. Lately, it shows {$58000.00}, which they continue to say it is only towards the principal. I would like to see my signature of what I actually borrowed and paid ; not just printouts of what I have paid. I feel I have been ripped off by XXXX and now the State of XXXX and the student loan industry. Where is my actual promissory note for the XXXX. They tell me that this is what they received from other lenders. What is the amount and why does it take years for the amount go down. A mortgage is cheaper than a student loan. I can not get legitimate information about the real amount borrowed so that I can validate the amount owed, which seldom goes down. This should be illegal. School - XXXX in XXXX, XXXX. I also attended XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XX/XX/XXXX.
I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for XXXX years at {$580.00} a month. I currently have a loan agreement for XXXX years at {$610.00} a month. 
Or I have to make up the difference between the modified amount and normal amount which is {$1200.00} or be foreclosed. 
The extended years if I am unable to refinance with have me over {$20000.00} on a mortgage I only have $ 54,000+/- left. 
Why if my loan is extended, the payments are n't lower?
When I moved out of my apartment I was told I would only have to pay for the carpet which was around XXXX an maybe some other damage. The manager told me I would receive the bill and my security deposit in 1 week but I didn't receive anything and couldn't get ahold of the manger after that. 3 months later I get a call from a debt collector saying I owe {$800.00} from the apartment that I was never notified about. 

The property owner is XXXX XXXX and the apartment is called XXXX XXXX. The debt collector is National Credit Systems.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX, XXXX  XXXX,
Constant calls from number entered on form and ( XXXX ) XXXX. These numbers call on average 4 times a day, sometimes within an hour of each other. Any message left is usually dead air, but usually no messages left until about a month of calling, usually within a week of a loan payment issue. This has been going on since the loan was starting to be payed ( approximately 2008 ). They were also told numerous times to not call my cell number, especially without leaving a message. The same type of call patterns are done on my house, cell, and spouses cell. At one point in time the loan payments were in properly distributed. That happened for approximately a year before anyone caught this ( information from company ). I had heard that the company was and the school were sued for improper loan practices, but anytime information is asked for they skirt the issue and ignore it as if I was an XXXX. As I have been working in public service since before the loan was required to begin payment, I have asked on information on loan forgiveness for public servants, with no reply to the question or no reference information. I belive some of the resolution to payments have possibly caused me to give up the chance at loan forgiveness. If they have, I was never told this was going to happen.
Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me, with a Citibank Visa issued through BestBuy. I have the billing notice, received by email XXXX XXXX, 2016, and various correspondence with Citibank and BestBuy. Neither company addressed my direct charge of predatory billing. Nor did they deny it. 

Even if legal, requiring credit card payment 6 days after billing is clearly predatory, automatically greatly increasing the likelihood of late payments. Citibank and BestBuy deserve at least to be embarrassed publicly for their deliberate predatory behavior. 

Why are they are doing this? BestBuy credit cards are activated immediately, in stores, so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters, and to Citi and BestBuy, I am just more meat. 

I reported this information to Maryland XXXX, who referred me to the Maryland XXXX, who referred me to you. Neither offered to take any further steps.
On XX/XX/XXXX of XXXX, I went to a clothing store called XXXX in XXXX, Minnesota. As the cashier was scanning my clothes, she asked if I would like to save 15 percent on my purchase for the day. I said sure. My purchase was about {$40.00}, something between 40 and 41. With the discount, the price was between {$35.00} and {$36.00}. 
Heres where the issue came up. The cashier rang up my clothes as the {$40.00} price and the discount was not applied. To avoid any future issues, I asked to pay off the full amount immediately after my purchase. What ended up happening was she only paid off {$35.00} of the {$40.00} because she did not notice the discount was not applied. 
So about five dollars was left on the card for several months and the balance build up on the 29 percent annual interest. I had no idea of the balance until I finally got a letter in the mail from XXXX XXXX saying that I had owed {$71.00}. 
A few days later I went into XXXX to resolve the issue. They told me to call XXXX XXXX which is who the card is issued through. I believe this bank is located in Delaware. 
I call and tell them the situation. They tell me that they can not just clear the {$71.00}, some of it has to be paid. So I get them to lower the balance to {$17.00} which seemed a lot better than {$71.00}. The XXXX manager reimbursed me the {$17.00} so everything was cool after that. 
Then I looked at my Fico Score on XXXX XXXX which I do every month. It had dropped from XXXX in XX/XX/XXXX all the way down to XXXX in XXXX of XXXX which i when I found out about this. 
Since then, I have gotten my score back up to XXXX. 
These are the only missed payments I have ever had. 
I recently talked with a banker at XXXX XXXX and he said I should 100 percent dispute this problem.
IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND XXXX REGARDING USAA FEDERAL SAVINGS BANK WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT USAA FEDERAL SAVINGS BANK 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A USAA REPESENTATIVE DATED X/X/2011.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Equifax and XXXX certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.
Last year during XXXX I defaulted on my credit bill payments as I was gone for XXXX and subsequently, upon release from XXXX, was unemployed for over 3 months. I got a job XX/XX/XXXX and have filly fully paid my barclays debt. However, my credit report still shows that I owe barclays a balance of over {$800.00}, although, I have proof I have paid my debt in full. I called them to request the credit bureaus be updated but they refused to help me or point me to anyone who could help.
The company Allianceone Receivables in XXXX XXXX Ca intercept funds from my tax return XX/XX/XXXX illegally from an account they said it existed since XX/XX/XXXX. The amount intercepted was {$590.00} to which they provided absolutely no information but a bogus account number from the Superior Court of California which it does not exist. The supposed account number is # XX/XX/XXXX. I called Allianceone and they were been very rude and requested me to provide them with any type of receipt that the account had been paid which i do not have. They failed to provide any information other than that. I called the Franchise Tax Board of California and they could not provide any information regarding any intercepts. I am calling the Office of the City Attorney today to submit a claim against this company due to wrongful debt collection. this company is committing fraud an no one is doing absolutely nothing about it.
I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX )
This company calls me daily for a debt that is owed by someone else. I began tracking the calls on  XXXX / XXXX / 17  but was able to locate some prior calls before that date on my cell phone and below is a log of the call to my home and cell phone :   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   - I asked them to stop calling me   XXXX  17 at   XXXX   XXXX   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   Again, they are not calling me for a debt I owe but for someone that I know. I have asked them to stop calling me but they continue to call every day.
Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).
On Friday XX/XX/XXXX I received a letter from Wells Fargo stating that their had sold my mortgage servicing to, XXXX XXXX XXXX ( aka XXXX  ). XXXX reviews on XXXX XXXX read as a horror story. Of the 566 reviews 500 seem to be negative. Lost payments, uncredited payments, foreclosures, using your social security number as a password, lost paperwork and very poor customer service practices. It seems they are using the same tacts Wells Fargo used doing the housing melt down. Things the state of California objected to. Things they used on me when I was trying to get my HAMP approved back in XXXX through XXXX. It was a fight I do not want to repeat. 

I dont know if Wells Fargo, who was recently in the news for foreclosing on some 450 homeowners illegally, has possibly used XXXX in those instances. 

Please look into XXXX for me. It will give me peace of mind to know that California is once again watch the backs of its citizens.
I bought something off ebay and was required to go through paypal ( which ebay owns ). I had a previously used paypal account that I had used once a few months ago with no problem. I checked out using that account. With no warning and without asking permission, it put that charge on paypal 's own credit line ( Paypal Credit ). I had never signed up for it, even though I had received incessant email advertisements for it. I was not informed in any way to my email or through any other means of communication that it had been added to that credit line. I only found out because a week later I was reading over my bank statement and saw the charge had n't been added to it. I then went to paypal to determine what the problem was ( whether it was still pending etc. ) and found out it had been added to their Paypal Credit system without my knowledge. I was then required to give them my bank account information and link my bank 's information in order to pay it off instead of just being able to pay it using my debit card ( as I originally intended to and had done before through them ). While I was thankfully able to realize this before I was charged interest, I still believe this was a deceitful practice and caused me harm by requiring me to go through additional steps in order to pay off a charge which I never intended to put on their credit system.
Commonwealth Financial Systems , Inc. has " Never '' called nor contacted me regarding a Hospital bill dated XX/XX/2012 until last month.. ( XX/XX/2018 ) I just received a bill this month from this company. XXXX XXXX Hospital is at " Fault '' and I have proof with having medical insurance at the time. I contacted them back in XX/XX/2012 with a Manager from XXXX. We did a conference and the Manager explain to the billing department that they use the wrong billing code and they have to resubmit the bill to the State of Maryland and not XXXX In my procession right now, I've a certificate of XXXX XXXX XXXX Coverage from XX/XX/2012 until Present from Maryland Department of Health.

Commonwealth Financial System also attack my credit file last month on XX/XX/2018 and my credit score went down 30 % on XXXX and XXXX. It had a Derogatory marks on both.

Furthermore, I only received a bill once in XX/XX/2012. This company never tried to call or mail me anything during XX/XX/2012 until XX/XX/2018.
When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.
I am disputing the findings of Equifax Information Services , LLC because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Equifax Information Services , LLC supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Equifax Information Services , LLC did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Equifax Information Services , LLC did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Equifax Information Services , LLC refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. Thank you!
Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.
I have been a teacher for the past 11 years. I qualify for a loan forgiveness of {$5000.00}. I have filled out all appropriate paper work 4 different times. When I call to see why it has been denied they told me that I do not qualify, I dont have enough experience teaching, or my paper work wasnt filled out properly. Now I havent heard from Navient about my most recent attempt to get the loan forgiveness in 4 months.