WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 I opened an account with XXXX XXXX and was awarded a credit limit of {$2000.00}. Since opening the account I have always paid on time and never went over my credit limit, until this summer when a contract I was working paid slow and I fell slightly behind on receiving income for 1.5 months. During that time I was only able to pay household bills and went slightly over 30 days on my Barclays card. Once my income resumed, I made a substantial payment of {$1800.00} to Barclays and paid off a few of my other cards to {$0.00} balance. Barclays accepted my payment, then without notification reduces my over credit to {$550.00} a difference of $ XXXX That not only reduced my over all credit balance but also increased my credit usage on my credit report. The balance owed was {$340.00} out of {$2000.00} ( 17.25 % usage ) to {$340.00} out of {$550.00} ( 62.73 % usage ).

I called Barclays for an explanation and they informed me they did a pull of my credit report ( not sure if that is legal ) and I was reporting over limit on another credit card NOT ASSOCIATED WITH THEM so they lowered their risk and reduced my credit limit by {$1400.00}. I did not apply for new credit and do not recall allowing them to pull my credit report whenever they want or deem appropriate.
I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them,
I received a bill from Macy 's Store Credit Card on XX/XX/2017 with a total new balance for that statement in the amount of {$300.00}. The payment due date listed on the statement was XX/XX/2017. I made a payment in the amount of the full balance of {$300.00} on XX/XX/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On XX/XX/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I had received an interest charge on XX/XX/2017 in the amount of {$4.00} even though I had submitted my payment in full of the total new balance sent to me in XXXX. The statement received in XXXX showed an additional interest charge of {$2.00} on the incorrectly applied interest charge added to my account in XXXX. Macy 's fraudulently charged the interest from the balance in XX/XX/2017 when the according to their own payment rules, no interest is charged on payments made in full for the entire balance. This situation reveals a major issue in how they charge interest to accounts with no catch to ensure customers are not fraudulently charged interest when there is no balance to charge interest. Not only did they charge me the incorrect interest in XXXX, they also charged a second interest amount for the XXXX bill and reported my account as past due. How long would this have gone on had I not checked my account even though I had payed my balance in full and had not used the card in two months? This is abusive behavior by Macy 's and it needs to be addressed with how their system applies interest to accounts and they should retroactively review accounts to make sure no one else has been effected by this major deficiency.
Despite having a mortgage with Ditech Financial for less than 20 % of my home 's value, they took it upon themselves, with no approval from me, to open up an escrow account for my property & school taxes. I have always paid these taxes though sometimes I pay them late and I was late at the moment Ditech decided to establish this unauthorized account on my behalf. I reject that Ditech has the right to open up a XXXX account without my approval. This seems very similar to the highly publicized XXXX incidents.
After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
During the period Wells Fargo Mortgage was being investigated by Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General resulting in levying heavy fines on XX/XX/XXXX against Wells Fargo Mortgage in excess of {$2.00} XXXX for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and her Executive Resolution Managers devised a scam to changed customers mortgage accounts numbers prior transferring or selling their questionable Mortgage Loans to XXXX XXXX. 
In our case our original Mortgage Loan account number XXXX was change to XXXX for the purpose of hiding prior payments made to the original account. 
To date we have paid a total of {$200000.00} to Wells Fargo Mortgage via Chapter XXXX plan, which the bank have refused to properly credit the accounts by falsely showing total amount paid is {$79000.00} to account new number XXXX while declining to apply or credit monies paid under the old account number. Therefore triggering a direct violation of 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court via a Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX , XXXX XXXX XXXX , XXXX. And individual located out-side of the United States in the Country of XXXX. 
More disturbing, we are noticing Wells Fargo Mortgage is back at its old game of promulgating our Loan case file to different individuals with zero knowledge of the actual circumstance, each time we respond or provided additional information. For example, on XX/XX/XXXX we wrote to Wells Fargo Mortgage Executive Resolution Specialist Ms. XXXX XXXX DEMANDING for Wells Fargo Mortgage to resolve this long-standing fraudulent matter immediately by correcting the numerous false and inconsistent statements made in writing to the Chapter XXXX Bankruptcy Court and trustee. 

Additionally, Wells Fargo Mortgage continues to demonstrate bad faith in direct violation of U.S. Department of the Treasurys Guidance on Homeowner Single Point of Contact ( SPOC ) by re-assigning our loan-case file and each complaint letter to new employees with limited familiarity to the fundamental cause of the fraud which triggered the Notice of Foreclosure subsequently forcing us to file Chapter XXXX with the Bankruptcy court to protect the property. 
In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch which the bank have refused to acknowledge and rectified has now mushroom into additional fraud by all parties.
On XX/XX/2016 I took out a Auto Title loan from the company Advantage One Credit LLC for the amount of {$1500.00}. I am being charged a APR rate of XXXX %, but I am being charged finance charges daily. I fell a month behind and in XX/XX/XXXX when I called to state that I would be paying XXXX months of the loan minimum amount, a male employee started yelling at me and said if I do n't pay {$370.00} by the XX/XX/XXXX he would " love to come and take my vehicle and sell it ''. I was trying to reason with him and he just kept yelling and calling me names. I did pay the {$370.00} with money borrowed by the XX/XX/XXXX. I was then late with the XX/XX/XXXX payment as I had to pay the loan I got from a family member. My due date is the XXXX of each month. I received a statement for XX/XX/XXXX but I did not for XX/XX/XXXX. On XX/XX/XXXX, I called the company at their phone number XXXX from the time they open until they closed. I left numerous messages and I never received a call back. I look online and advantageonecredit.com and it said we will be back online soon. During this time I was concerned they would repossess my vehicle. On XX/XX/XXXX, when I tried to call again the recording stated " Please be advised that we are no longer servicing Advantage One loan. If you are an Advantage XXXX customer, someone from Advantage One will contact you. '' That phone number was XXXX. I tried leaving messages but the mailboxes were all full. I checked online everyday and there was no website. I made a complaint with the Michigan Attorney General 's Office and they sent a letter to Advantage XXXX in XX/XX/XXXX. They still have not received anything back. Today on XX/XX/XXXX I checked online and saw there was a new address, and phone number for XXXX XXXX in XXXX, previously in XXXX. I contacted my State Attorney 's XXXX XXXX and they urged me to make a complaint with the CFPB. This is a tribal title loan buy it actually states a " XXXX of XXXX ''. Also, the loan agreement does not include a TILA Box according to XXXX XXXX from the Michigan Attorney General 's Office. She did state she would send another letter to the new address, but since it is tribal, they may not reply. They do not hold a license in the XXXX of XXXX. I have almost paid back the {$1500.00} back, just shy of about {$50.00}. To this date I have not received any communication from Advantage One XXXX by mail, phone or email.
Navient and XXXX XXXX have ruined my life, my credit everything. I cant afford XXXX/ month in payments to them. Ive deferred them for as long as I possibly could but all that did was destroy my credit. Now everything major I have to purchase such as a car or applying for a mortgage Im either flat out rejected or need a co-signer. These companies are predators whove ruined countless lives. Ive argued with them countless times, Ive filed complaints with the XXXX XXXX XXXX, and the Attorney Generals office for their harassment. They call at all hours ( XXXX XXXX  and XXXX XXXX EST ) on phone numbers they werent given, and call every day included Sundays. Ive attempted everything I could think of a part of taking out a personal loan to pay them off. I can not refinance my loans becauase I did not graduate because it got too expensive to finish, therefore I do not qualify for refinancing. This system is flawed and wrong and needs to be stopped. They are the cause for a bulk of my XXXX XXXX  issues because of how relentless and XXXX XXXX they are. Ive asked to speak with supervisors and managers and was laughed at and told it wont matter youre still XXXX. Ive asked them how it feels to have XXXX  on their hands because of the crippling debt they cause young people, some of whom I know have actually ended their life because of the amount of debt they are in. They did not care and seemed to think they played no role in the amounting debt.
In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX  XXXX  that my account was found. Thank you for any assistance you can provide.
I 'm on XXXX and have medicare and medicaid. I have no knowledge of this bill
Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed
This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case.
XXXX XXXX, cbc innovis, XXXX XXXX and XXXX on my XXXX and XXXX   delete, no written signatures.
I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal.
XXXX back in 2012 was the worst serivce that i had and they charged me XXXX for no serivce or no coverage.
I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
I got a car from a company called XXXX XXXX. The car was a lease to own and could be returned at anytime. The first month with the car I was having so many issues and received an alert from onstar stating that the car had a major recall for carbon monoxide emissions. I called car today and ask them to fix it they refused so I told them I was bringing the car back. They stated that they buy cars from the auction and ca n't fix everything before they put them out on the lot. They then pull the kill switch on the car and towed it the next day. I received a letter from them saying the car was no longer my obligation and that the car was leased out to someone else. A couple of months later I checked my credit and I saw a repossession from a company called Orbit leasing Company with a XXXX balance due. I have disputed this item and they still refuse to delete it off.
I have asked experian and XXXX going on 2 years now to update my credit and fail to do so. I have also indicated to them my report needs to match XXXX. I do not have any deb t and filed bankruptcy and it was discharged and its still not updated as of today and its going on two years. i can e reached at XXXX.
I am a victim of identity theft. The accounts, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appearon my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I was made aware of an investment and checking account with a related NSF for {$14000.00}, that had been opened with USAA in my name and Social Security number from correspondence received from USAA on X/XX/17. Since X/XX/17,  myself and my recovery advocate that I 've been assigned to help resolve this ID theft case, have made over 10 conference calls and mailed and faxed four copies of my fraud packet containing an FTC Affidavit, police report copies of USAA 's correspondence and proof of my ID, Social Security number and address. I have not received USAA 's cooperation or communication back in an effort to properly report and assist USAA with addressing these these two accounts and NSF check caused by ID Theft. This is the content of the cover letter with the limited power of attorney for USAA to communicate with my recovery advocate as well. USAA C/O Financial Crimes Division XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Regarding : XXXX XXXX XXXX XXXX Member # XXXX USAA Investment Account Ending XXXX USAA Checking Account Ending XXXX Per my conversation with USAAs Investigations Department, Ive enclosed a notarized limited power of attorney, FTC Affidavit, proof of ID, Social Security number and address. The above referenced account is a result of identity theft ( ID Theft ) and has been included in the XXXX XXXX Police Department report # XXXX as such. The identity theft case has also been filed under case # XXXX with XXXX XXXX XXXX XXXX XXXX. Im requesting on behalf of my client, XXXX XXXX XXXX XXXX, that USAAs records indicating XXXX XXXX XXXX XXXX identifying information to be coded as ID Theft, as she has never had a relationship with USAA. Also, that USAA inform the IRS of the related ID Theft case and retract all related USAA reports which have been provided to the IRS or other entities. Please forward an acknowledgment of the receipt of this fraud packet and resolution of this matter to ...
On XXXX XXXX, 2015 I purchased a new vehicle and attempted to trade in my car previously purchased from the dealer. At which time the car dealer where I purchased said I was up side down on the car. So I placed a down payment on the new purchase ; that Monday XXXX I placed a call to Ally Car Financial and informed them of my purchase and explained the situation to the Customer service person. At which time I asked them to take possession of the car. The customer service rep place me on hold and stated she would contact collections and explain then transfer me ; she returned from on hold and stated she could not transfer me because collections were refusing to speak with me. I informed them of where the car was located to retrieve and that I would not be making anymore payments. Since they have not picked up the car my credit is being affected by the delinquent payments. I know the repossession will affect my credit which is my decision but the delinquent payments are due to their refusal to pick the vehicle up.
I talked to AES ( AMERICAN EDUCATION SERVICES ) a couple weeks ago on the phone about how they can help me with my student loans .When I spoke to them they said they had XXXX payment options to help me. I called them today XXXX/XXXX/16 to set up XXXX of those payment options and they stated they ca n't help me, that I used all the options that I had available. It is very conflicting on the information that they are giving me. I really want to keep up with my payments but AES is taking me in circles.