WillisBack/dataset-financial-user-claim huggingface dataset:
I am needing to have someone investigate the interest on my student loans. I graduated in XX/XX/XXXX. My loans were consolidated with a principal amount of {$42000.00}. My loan was transferred to Navient in XXXX and had already accumulated over {$20000.00} in interest making the total for both subsidized and unsubsidized {$61000.00}. As of today in XXXX, I have an excess of over {$30000.00} in interest for my student loans. Never really explained the accumulation of interest when in forbearance. I am in an IBR repayment plan because I have never gotten a better paying job as of yet and it is very unfortunate for those of us who financially can not afford to pay the full payment to be hit with so much interest. My interest now is almost greater than the principle amount and this has burdened me mentally to know I owe so much and don't have a clue how to pay this any other way but to continue to gain interest. This makes me feel that getting this education is more of a burden to me than it has helped my life and I find myself in tears a many times wondering how I will ever rid this debt without continuously gaining interest at the same time. As a single mom, I was unable to attend previously and after finally being able to go, I was was hoping to improve my income having graduated. This is now a burden to me and prevents me from getting ahead. I need someone to investigate the interest I am being hit with on this student loan ; its ridiculous that we as American citizens pay so much for an education and my now XXXX yr. old daughter who also received her XXXX degree, tells me she think education is over rated. What a punch to learn after 50 years of life and never being able to complete my education until the age of XXXX but with so much burden behind it.
Citi enrolled me in a Payment Safeguard program on XXXX/XXXX/XXXX without my knowledge or consent, and I just discovered it last week. 

According to this CFPB press release ( XXXX ), " From at least XX/XX/XXXX through XX/XX/XXXX, Citibank actively marketed and enrolled consumers in XXXX debt protection add-on products : XXXX, ' XXXX, ' XXXX XXXX, ' XXXX XXXX, ' and XXXX. ' [ Emphasis added ] I 've been a Citi cardholder for nearly 30 years and just noticed the XXXX fee on my bill last week because it was large enough to stand out - nearly {$300.00}. The large fee stood out because my balance last month was exceptionally high ( over {$34000.00} ) due to all of the expenses of a household move. 

I called Citi to say I never signed up for the service, which protects against the inability to pay because of a job loss, illness, etc. I told XXXX at Citi that I XXXX from in XX/XX/XXXX with a full XXXX pension, and both my wife and I are on Social Security with steady income. He understood there is no way I ever would have agreed to a Payment Safeguard program and so agreed to refund ALL of the XXXX fees since XXXX/XXXX/XXXX when I was enrolled. 

But I also asked how I was enrolled in the first place. He agreed to file a POE ( Proof of Enrollment ) request, which should take 30 days. 

It seems that Citi is still fraudulently enrolling customers in services without their permission. While I applaud the CFPB for taking action against these companies, rather than just fining them, which hurts shareholders and ultimately customers, punitive action needs to stop the fraudulent practices. Responsible executives need to be held more accountable - fired, fined, or jailed. 

OVER {$300.00} IN INTEREST WERE ALSO CHARGED - Related to this household move was the fact that I notified Citi of my Change of Address but missed receiving a bill for XX/XX/XXXX. So because I my payment was late, Citi tacked on over {$300.00} in interest. They refused to remove the interest charge, even though it may have been their fault that I did n't get the bill, even though I paid the entire {$34000.00} bill the very same day they called, and even though I 've been a 29-year customer with a history of paying the bills in full each month. 

I will be changing credit card companies as a result of this experience, but I file this complaint to help expose unscrupulous and illegal practices that continue to this day.
I attempted to freeze my credit online at Experian 's official website. I fully completed the form and submitted. I was then presented with the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' There was no further explanation. I tried again. No luck. 

I had no issues freezing my credit online with XXXX  and XXXX. I don't know why Experian failed. I tried to call their customer service number, but an automated message told me to mail in my information/documents for a freeze. 

I do not want to go through the physical mail option.
To whom this may concern, I recently obtained a copy of my credit reports, as I was revewing everything I noticed some unauthorized ( hard inquiry 's ) reporting on my files with the CRA transunion, I have sent disputed letters certified mail, also disputing over the phone only for them to tell me there 's nothing that they can do, these unauthorized inquiries need to be deleted/removed from my credit report ASAP, I have no accounts linked to these inquiry 's. 

UNAUTHORIZED INQUIRIES : XXXX XXXX
I OBTAINED A COPY OF MY REPORT AND IT CONTAINED MULTIPLE BANKRUPTCY FILINGS THAT ARE NOT MINE. I FILED A DISPUTE AND THE CASES REMAINED AS VERIFIED. I WAS INFORMED THAT THE CASES WERE VERIFIED WITH XXXX XXXX. THE REGULATIONS REQUIRE THAT THE REPORTING AGENCY VEIRFY THE INFORMATION DIRECTLY WITH THE COURTS AND NOT A THIRD PARTY FURNISHER OF INFORMATION. THEY HAVE FAILED TO VERIFY THE INFORMATION IN ACCORDANCE WITH THE REGULATION.
First off, my mortgage company said that I owed {$8000.00} on my  XXXX  statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on  XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my  XXXX  payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of   XXXX   to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the   XXXX   or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the 15th then they charge me at least {$120.00}.
I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.
americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.
Ive contacted Equifax several times regarding this issue. I have never had a loan with XXXX XXXX XXXX. My identity was stolen and accounts opened in my name without my consent or knowledge.
Please see attached proof of filing with Transunion dated XXXX/XXXX/15, the credit reporting agency never investigated or properly processed the dispute. TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did
I 've been trying to submit complaints to Experian for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.
Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.
I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments possible.
Chase reduced my credit line from $XXXX to $XXXX, even though the balance on the account was only $XXXX.  I have been a customer for a decade and have never had a late payment.
Transunion has reinserted previous unverifiable negative accounts on my file. I have send out dispute letters showing negative accounts that have re-aged history, recent payments on accounts that have been close or sold and all I get in return as results are letters with verify statement from furnishers.
After reaching a payment agreement with XXXX XXXX XXXX, this company continued to report the acount 180 days late when the payment on the agreement were made on time during the months of XXXX, and XX/XX/XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. This wrong reporting is causing issues trying to refinance the mortgage on the loan to get better rates. They also are reporting a wrong balance in the loan that they have acknowledged is {$170000.00}. In my credit report is showing more than {$220000.00}. I have written many letters to them trying to resolve the issue and they stay doing nothing in this regards. I demand that the months previously referred need to shown as pay as agree to honored the enclosed payment agreement and a correct balance of {$170000.00} needs to be corrected.
At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.
Bank of America processed a  Loan Modificatio n in   XXXX   XXXX     with my ex husband  ( borrow er ) without notification to myself or my signature. There is no divorce decree or property division giving my ex husband sole decision making on the loan, yet BoA allowed for only him to be the decision maker on the loan mod. BoA processed the loan with only ex husband signature, stating him as " Borrower, '' but not myself. I attempted to have BoA remove me from the loan obligation as it was processed as fraud, and was declined. I am filing this complaint because of fraudulent financial practices to process the loan modification. It is a fraudulent practice to process loan mods quickly and not seeking the signature of all parties.
On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help
XX/XX/XXXX PROFESSIONAL COLLECTIon {$340.00} XX/XX/XXXX PROFESSIONAL COLLECTION {$400.00} I have sent letters to the credit companies and to the collections companies have spoken to the companies not actions has been taken
XXXX XXXX claims that I overdrew a savings account and have reported it to the credit bureaus as of XX/XX/2019. I did have an account but did not overdraw it and the account was closed more than 7 years ago. I have disputed it but they will not remove as they say that it is correct. I believe that it should be removed because of the time frame when the account was closed.
had stopped using my pnc credit cards due to pettiness about XXXX interest. needless to say i will never sign in again for a credit card with minimum interest charge. know my background good customer huge medical bills son. if i wanted could wipe this away but i am not.i am fighting insurance to pay bills. anyway asked for XXXX back was told no its been done already. no other bank but pnc treats me this way. this is ridiculous. when people declare bankruptcy they get nothing. i am a good customer. no scripts i want loyalty as there is none i am not using my card agains either of them i also want confirmation on card ending XXXX that XXXX was disputed accurately please credit XXXX spend this time getting to know me as a customer. not reading a script.
Apex Asset Management has never contacted me as required by law before placing this item on my credit report. I have never heard from them and was not given the chance to dispute the charge. I was only made aware of their collection attempts after pulling my credit report.
Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, XXXX XXXX
I was Getting A hard time from Both Customer Service And Special Handling Department.They Both Gave me A Runaround As to finding out If they Recieved my Fax about the Collections, And Hard Inquiries.I am A Victim of Identity Theft.And I am Trying my Best to get this Handled in a Proper Manor.I am a victim of The Inquiry Issues Stated.They told me nothing.
This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.