WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain.
I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.
My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.
I had sent money through XXXX XXXX  and was scammed by my party not showing up and getting to me like said. I have not received any form of product through these services. I got a letter that the bank was in my favor then i get a letter saying they are taking the money back which will overdraft my account.
I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.
There is a collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.
On XX/XX/XXXX I was notified by XXXX not the company, Equifax, contacting me or sending a letter to me about them having been hacked 41 DAYS AGO!! 

I was later told to go to the website to figure out if I was compromised. I did as instructed but it did not notify me if I was effected or not instead it let me know that I can opt into a credit monitoring service. 

I was not aware nor was there any information of regarding a terms of service saying what would happen if I opted into the credit monitoring service. 

I strongly suggest that Equifax be out of business since it lose the vital information that should be private : social security numbers, drivers license numbers, birthdays and credit card numbers. 

It will effect almost half of the USA and it should be held responsible for any damages that it caused. By paying for damages.
On XX/XX/XXXX, i received a letter from Greatlakes student loan servicing company that my loan is due for payment. I never took any student loan and i have been out of college since XXXX. I know my son had told me in XXXX he want to go to college and since he was a minor the application need to be sign by an adult. He never mentioned student loan. I had asked the young lady who had called my on the phone that i need to reach him and find out. He is was lured by this private college in New York with promises of free scholarship which never happen. He was stress out with the school registering him for classes he never have any interest in and he was frustrated and dropped out. We have searched for him in the last 3 years and no information about him. Whether he alive or dead we don't know. My problem is how is it that a kid who never finished a semester his father is told he owe {$40000.00} and i never signed a student loan. I will never sign for anyone not even myself to go to a private school in XXXX New York? The most expensive place in the world. I worked as a XXXX XXXX for the XXXX XXXX XXXX I am recovery from a XXXX XXXX XXXX. The New School deceived and fraudulently induced my son into all this issues. It's bad enough i have lost my only child and been asked to pay money i never sign for is injustice of the highest order. Please help me, i can not afford an attorney with my small salaries that i spend more than 25 % on medicine to stay alive.
First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).
I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to XXXX and Equifax for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
I started receiving alerts on my Experian credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : Credit acceptance XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit. 

XXXX Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX  Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX
Creditor Synchrony Bank is using unfair credit practices. The company has reduced my credit limit on a number of occasions and each time it is without timely notice, i.e. written communications. Since this has occurred, I took notice of the timely of the mail and they took adverse actions to my account prior to my notice thereof and further more reduced my credit limit below my outstanding balance. Since this company has taken over for GE Capital it has been a nightmare. I want my credit limit restored so it does not continue to adversely affect my credit until such time as I can pay the account off.
My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.
XX/XX/2019 Loan Depot - With an approved / signed Loan Estimate with Loan Depot, a last minute change made to the closing documents that was not communicated to the borrower when closing documents were signed an hour later resulted in the borrower losing approximately 9,000.00. This error was not discovered until after the three-day grace period and Loan Depot is not willing to work with the borrower to resolve the issue. There is an ethical issue when a significant financial change last minute to closing papers are not communicated to the borrower, making this over-sight seem an intentional act when the borrower would not have moved forward with the loan - especially when Loan Depot has stated in writing this was an error on their part.
I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). 

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.
It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.
This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
On XX/XX/XXXX I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed XXXX, XXXX, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.
I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry.
Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.
Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
I was never informed that I have a mortgage and a car payment in my name when it would have been absolutely impossible for me to obtained either of those things considering my situation. However, when I attempted to log into my Credit Karma account those very things are the reason that I can not access my credit through their company. I informed them of this and made reference to how my statement/ defense of my credit could be verified and I have run into a brick wall. That person with those things acquired in my name has ownership of my life and my rights to the extremity that I have no access to something as basic and simple as my own credit information. There 's nothing I can do and nothing that is going to be done to help me. I am trapped.
XXXX   XXXX ,  XXXX  {$1100.00}  XXXX   XXXX ,  XXXX  {$220.00}  XXXX   XXXX ,  XXXX  {$190.00}, {$790.00}, {$2600.00}, {$210.00}  XXXX   XXXX ,  XXXX  {$9300.00}  XXXX   XXXX ,  XXXX  {$150.00} The aforementioned credit collection agency representing  XXXX   XXXX   XXXX  has violated  the FCRA by not providing documents to me i n regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertain to this " debt ''. If they do not have any documentation, they need to retract this from my credit file immediately.