WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.
I received a phone call from my HR department on XXXX/XXXX/XXXX at XXXX XXXX stating that Cash Central had called them and was looking for me and that they should n't be calling me at work for personal reasons and need to call my cell phone or home number only. They still call my work number and references on my account that I do n't even speak to or deal with. The refernces they have on file are from XXXX.
I went online to Experian.com XX/XX/XXXX to check my credit score and paid for the XXXX time fee. Little did I know that the company automatically signed me up to a 7-day trial of then started to charge me {$21.00} per month for 'credit monitoring services ' which I neither do n't need nor made fully aware of. 

I noticed the charges this month and called the company seeking full refund for both XX/XX/XXXX and XX/XX/XXXX. The customer service told me I can only get one month refund. However she did cancel the subscription and hopefully I will not get charged going forward. 

I am very disappointed by the way Experian conducts its business - it tricks consumers into signing up to expensive monthly services by teasing them with some low cost services without making full disclosure. Such services should be explicitly opt-in only and not opt-out type of services like the way Experian does it. 

It is hard to believe that after the passing of post-crisis consumer protection regulations such business practices still exist.
I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.
Hello, I'm Moneygram International costumer. Would you sent this message to Moneygram International Financial Department because I can not find their email address. Please! 
I just notify them that I never received the refund back transactions I made in XX/XX/2018, XX/XX/2018, XX/XX/2018. I canceled those 'cause the receiver no longer needed money. 
XXXX XXXX ref No : XXXX Amount : XXXX $ and XXXX XXXX Ref No : XXXX amount : XXXX $ XXXX XXXX Ref No XXXX Amount : XXXX $ Thanks!
My Discovery Credit Card opened XX/XX/2017, My limit was {$3000.00}, currently it is {$2000.00}! Discovery Credit Card decreases my limit whenever it gets to 200-400 available credit!!! Yes! balance was high!! Due to moving into my New three story Town House in XX/XX/2017, my limit was close to max quickly!! I knew my Credit Utilization would increase and my Credit Score would decrease due to purchasing I needed to make with my new home. I gave myself 1 1/2 years to pay everything off! Spoke to rep and they said to make sure payments were made and to set up auto pay ( did that ) and I should be fine!! Payments are way over minimum!! Every time my Limit is decreased, my Credit Score goes down. Which affects my Credit Worthiness!!!
I believe I 'm being over charged for my loans and I 've paid directly to the University without using the loan. I was told I paid off my debt from the school. But the loan service Navient says I owe them money. I want to reduce my billing or become debt free because I think I 'm being overchanged for services I did NOT use.
ALLIED COLLECTION SERVICXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX(XXXX) XXXXThis company is not licensed in Florida. Cannot be on my credit report and needs to be removed!
I ordered my CoreLogic ( SafeRent ) report and I noticed a Inaccurate date and information on my rental history.On my report they have a listed date in XX/XX/XXXX that i was evicted but I was never evicted from that date they have listed on the report.The Apartment that in am talking about is : XXXX XXXX XXXX Fl XXXX
Navient consistenly applied my payments in the least efficient manner, leaving many of my loans past due in effect ruining my credit. as well as harrassing my cosigner about the loans has resulted in my own father not wanted to contact me in regret of co-signing. I 've asked and asked for debt relief and refinancing options to no avail. With credit ruined, and no hope for ever becoming debt free, it has me feeling like college and bettering myself has become the biggest regret in my life.
Experian and XXXX were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. XXXX and Experian continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.
JPL Recovery Solutions XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NY XXXX XXXX The company mentioned above contacted me at work on XX/XX/2018. I told XXXX ( the woman calling ) not to call me at work and I would call her back when I got off work. The very next day, XX/XX/2018, I receive a call from XXXX on my work phone. I told him that I told XXXX not to call me at work and hung up the phone. He called me back the same day right after hanging up the phone and said he could call me at work because I hang up before he could finish his sentence.
Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. 

I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. 

After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. 

On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). 

Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.
Multiple daily calls ( 4-6/day ) entirely by automated device, all originating from what Caller ID says is XXXX. The automated message ( s ) claim they are from CBE Group and are seeking " XXXX. '' I have no intention of serving as an unpaid collector for CBE Group and am not physically capable of doing so. I also do not reward, aid or abet wrongdoing so I will not be assailing this person, discussing any of this with neighbors nor engaging in unlawful collection practices with this fly-by-night scam illegal automated caller. 
I do want the peace and privacy of my home back and am not legally obligated anywhere in the world to serve as a message center for persons who may ( or XXXX not ) live in my neighborhood but who definitely do not reside here or have any business whatsoever with me nor I with their finances.
I took a payday loan at XXXX, due to financial hardship I was not able to pay them and passed on my debt to a credit collection agency. This complaint is regarding BLACK WATER CAPITAL GROUP, at first they left a voicemail saying that they were from an Attorneys office and that there is a lawsuit filed against me, And the same message my husband received from them saying theres a lawsuit being filed, they contacted my husband as well, when I called the number they told me to call it was a lady named XXXX XXXX that answered the phone, not stating the company name first, and already discussed to me that they are a credit collector and that my {$400.00} debt already had charges and I had to pay {$900.00}, they asked for my debit card no. And they said I had to pay the full amount, it was only to my realization because everything happened too fast and the scare that Im going to be sued that I agreed paying, but I dont think it is right for them to impose that high of an interest since Im already struggling and thats why I havent paid the original loan in the first place. They kept calling my husband, they would use different numbers till now.
I mailed a letter to Experian in XXXX 2016, disputing several accounts. As of today 's date, I have yet to receive the investigation results. I also tried to go online with Experian.com to review my credit report however I was unable to obtain a copy of it though they were able to pull up the report after being provided the exact information I entered online. I have contacted Experian today and spoke with the special handlings department who confirmed they never sent the results out. I advised they are now in violation of FCRA and need to remove all accounts that were on my initial request. The representative I spoke with XXXX XXXX XXXX stated she could only put in a complaint about the failure to send out the results. I immediately asked to speak with a supervisor to get an immediate resolution to the problem since this is going into the XXXX month that they have n't since this information out to me. I spoke with XXXX ( Supervisor ), who advised the only thing they can do to correct this problem is to mail out a new report to me. I advised that this is unacceptable as they never sent the original XXXX and I am well within my rights to expect their process & procedure to be followed as it relates to disputes.
I sent Citibank a letter to attempt to settle this old account that was a charge off since 2013. The sent me a letter saying they would update the credit bureau 's. They reported that I was 60 days late. I have settled the account and want to have this corrected as paid.
I had Medicaid, which paid all of the medical bills XXXX % after a XXXX, including XXXX and XXXX. 

I notified XXXX XXXX XXXX XXXX of their billing error in writing and also by telephone, both times providing my medicaid number. 

However, XXXX XXXX XXXX XXXX sent {$110.00} to collections anyway, even though Medicaid had already paid all of their previous submissions for XXXX reimbursements.
My attorneys helped me prepare this complaint. 

I am an elderly woman who uses Direct Express for my Social Security direct deposits and have a debit card with them. I wanted to dispute certain transactions that I believed were fraudulent due to someone stealing my debit card. I hired attorneys to assist me with disputing fraudulent charges made on my card. Direct Express refused to talk to my attorney and myself at the same time, while we were both on conference call. Direct Express also refused to talk to me when I placed the call on speaker phone, because my attorney was present in the room. Direct Express forced me to dispute the transactions by myself. I was finally able to do so, but it was a difficult process. During the call in which I successfully disputed the transactions, my attorney was present in the room, communicating with me about what to say to the Direct Express representative, what to ask for, etc., by writing the questions down on notebook paper and holding them up to me. 

My attorneys have told me that they frequently run into this problem with Direct Express on behalf of elderly clients. Forcing elderly individuals to communicate about financial matters and make important financial decisions, without any legal representation, is an unconscionable practice.
Transunion Continues to enact improper reporting practice on my credit bureau. They have merged my file with someone else 's. There is a Chapter XXXX and Chapter XXXX Bankruptcy listed my report that belong to another XXXX XXXX. I have attached a copy of my drivers license as proof of my identification. I have also attached copies of my leases dating back to 2010 to prove my whereabouts. I have attached copy of the discharge papers obtained from the court. The XXXX XXXX listed here has another social security number, as well as a different address. My social security number as noted on my credit report is XXXX. I never lived at XXXX XXXX XXXX in XXXX IL. Please immediately remove these erroneous listings from my credit report.
In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. 

XXXX is the student, and XXXX is the parent-cosigner for the loan. 

At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. 

Discover asked to have the University re-certify the loan in the amount of {$36000.00}. 

XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator,  XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. 

An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. 

Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. 

On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. 

Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. 

Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. 

XXXX and XXXX XXXX would be grateful for any assistance you can provide. 

XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.
JUST LIKE MY WIFE  XXXX   XXXX   XXXX , I MYSELF APPLIED FOR  BARCLAYS  CARD AND WAS DENIED BECAUSE THEY ARE IN AGREEMNET WITH  XXXX . IF THEY CAN NOT GET OUR ELECTRNIC SCORES THEY JUMP TO OTHER BUREAUS W/O PERMISSION.     THIS IS IN VIOLATION DODD-FRANK, F.CA.C.T.A. FACT-ACT ETC.     WE WILL CONTACT OUR ATTORNEYS TO FILE SUIT AGAINST  BARCLAYS  AND   XXXX   FOR THIS ONLINE APPLICATION FRAUD.
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last PaymentXX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Repeatedly told the no call unless they have interest and authority to take a short pay, they ignor and continue to call.
On XX/XX/XXXX, I made two separate payments of {$30.00} and {$340.00}. I received a message in my credit card account inbox indicating receipt of both payments. As of the due date ( XX/XX/XXXX ), the payments had still not been completed. On XX/XX/XXXX, I was charged a late payment fee of {$27.00}, and on XX/XX/XXXX, I was charged interest of {$15.00} on the statement balance. I realized this when I checked my statement on XX/XX/XXXX, and sent a secure message stating that I had made the payments, but the credit card issuer had failed to complete them. I did n't receive a response until XXXX ( 14 days later ), which said my complaint had been forwarded to the appropriate department. I have another payment due on XX/XX/XXXX, and I am worried about this affecting my credit since the payments that I 'm making are n't going through.
I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.
This company continues to charge a fee for what they list as a charge off, closed account or open account. Finally received some paper work and they say it 's from a rental agreement from breaking a lease 6 months early. The rental company is denying a lease broken. The amount once it 's disputed will increase a dollar or two every couple month. So my question how can they keep charging interests on account that they never started or I never sign a contract? The other problem is they keep returning on my credit report once it is removed. They make sure it is.
Two letters sent to Transunion on XX/XX/17 requesting investigation that written consent was granted for the 2 inquires in question. 

Follow-up several times via phone, with no resolution. Simply just requesting that Transunion remove the following inquiries from my credit report. 

See attached documents XXXX XXXX XXXX
We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.