WillisBack/dataset-financial-user-claim huggingface dataset:
My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal
When first opened the account there was a preference about whether I wanted to be on fee plan or pay as you go I check the box next to fee plan as I did n't want the pay as you go as it is costly. I looked at my statement on XX/XX/2017 because some transactions were not charging right and noticed they put me on pay as you go when I specifically asked for fee plan so I was charged over a {$100.00} in fees last couple of months. I quickly went into their site and made sure I was put on fee plan once again so far it is still what I requesred. Plus I made complaint to their site and someone who sounded more like a recorded message sent me a message stating what I did again yesterday in picking fee preference again but did not even address my issue with their sites mishap in first place in placing me on pay ad you or offering any kind of remedy.
In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.
On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.
I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.
I have multiple things on my credit report that do not have a contract with biller and medical bills charged when I was insured by XXXX and should n't be charges, then sold to a collection company whom I do not have contract with.
I monitor my credit with XXXX XXXX through Transunion and XXXX reports. On XX/XX/XXXX my FICO score with Transunion was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me XXXX   had made a remark on my report and that is why XXXX dropped my score and subsequently Transunion also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a  ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He  checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.
The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks
My credit card had over 20 fraudulent charges at several gas stations in Florida. I immediately called Bank of America to have the card cancelled and the charges reversed, which they did. A month later, the charges were back on my card. Bank of America said they will reopen the case, but they said the investigators are arguing they are valid charges.
On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.
For approximately a month I have been receiving email from : XXXXXXXXXXXX regarding a security code. These emails are generated when you put in a user name and then click on " I forgot my password '' The emails contain the last 4 digits of my credit card and my first name and middle initial. These emails indicate that someone is trying to access my account. I logged into the capital one site and tried to change my user name to make my account secure. Changing your username is not an available option on the Capital One / Furniture Row credit card site. I am able to change my email address and my password, but not my user login. 

I called Capital One o
n XX/XX/XXXX to try to fix this problem. I spoke with a representative who told me to change the login on the website. I explained that it was not an option on the website. I then spoke to a manager who told me that she was unable to change my login on her end and that I would have to un-enroll from the service on the website. I explained that that was not an option on the website. She assured me that she would un-enroll my account and I would receive a phone call when it was completed. That was 9 days ago. I still relieve 2-3 emails a day that someone is trying to
access my account. I am unable to change my login or un-enroll from the service.
Since filing my first complaint against Bank of America regarding case # XXXX. New items have been discovered on the title report / deed of trust. 
Items 7, 8, 9 show as still open on the report. These items were replaced by a new deed of trust showing as item # 10 which was paid off in XX/XX/XXXX and confirmed by Bank of America in writing XX/XX/XXXX. 

Bank of America continues to refused verbal and written request to close out Deeds of Trust on current XX/XX/XXXX title report. They're attempting a default on our building using these paid off and closed out Deeds of Trust. You should be aware the Office of Comptroller and SEC have also began investigations on this. 

This is a new way for Banks to cover up fraudulent lending practices and bully customers into paying fees and charges under threat and duress. 

We need your help, please. 

Thanks ' in Advance.
I have inquiry 1 inquiry from XXXX reporting to my TransUnion report and i I have 2 inquiries from XXXX reporting to my XXXX and 1 inquiry from XXXX   XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.
XXXX refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by XXXX
Capital One closed my credit card after a return payment was submitted to them. The payment that was submitted was submitted from an account that was opened up fraudulently. I called Capital One and told them that I did not send the payment and to please open my account up as this was a fraudulent ordeal. I told them that I would send the paperwork from the bank and from USPS Postal General. I just want my account back. I haven't heard back at all from Capital One. With this ordeal my credit balance is double its limit and I am in the process of paying the money back as we speak.
Equifax - X/X/2017 This is in response to the Equifax data leak which was announced on X/X/2017, which exposed millions of Americans ' sensitive data to hackers. I have placed a 90-day fraud alert on my credit file. Equifax 's delay of several months in notifying its clients and its utterly poor response to this massive leak is troubling to me and my family.
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$7600.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
I have a XXXX  account that originally incorrectly misstated I had a late payment. XXXX   made the mistake, and after I talked with them, they have since removed the late payment from THEIR records on XX/XX/XXXX.

I called XXXX  for the sixth time since then on Friday, XX/XX/XXXX, and they confirmed again they were no longer are reporting any late payments. I subsequently placed another dispute, my seventh, with Experian that I didn't have this late payment with XXXX. I just received the results of this dispute, on XX/XX/XXXX, that Experian are claiming that the original information is accurate and they are not removing the late payment. Basically they are still not reporting the same results as the creditor is.

As you can see from the attachment, dated all the way back on XX/XX/XXXX, XXXX  admitted their mistake and have stated that there should not have been a late payment. This late payment should be removed in Experian records, but for some unforseen reason they refuse to. I have exercised every other Avenue at my disposal to rectify this wrong, and I have not been able to.
On or around XXXX 2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
I have XXXX Stafford Loans, original amounts of {$8600.00}, {$10000.00} and {$9500.00} - Total {$28000.00} - originating XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. My current balance as of XX/XX/XXXX is {$30000.00}. 
My husband and I filed Chapter XXXX Bankruptcy XX/XX/XXXX due to having a very ill son ; we were in a 5-year XXXX repayment plan which ended XX/XX/XXXX. During these five years, the Indiana Trustee, through the XXXX XXXX XXXX, paid a total of {$19000.00} to the US Department of Education and XXXX XXXX XXXX ( now XXXX ). Great Lakes is now my service provider. I have provided proof of payment several times to Great Lakes only to be told that they do not show any payments being made to XXXX XXXX XXXX ( now XXXX ) in the amount of {$8600.00}. They do show some payments made to the XXXX XXXX XXXX XXXX, but not all of them approximately {$6000.00} although {$11000.00} was actually paid. 
After we were out of the bankruptcy, Great Lakes started demanding payments of $ XXXX/month. I called and explained that their figures were incorrect. After all of the payments made by the Indiana Bankruptcy XXXX, I should have a remaining balance of approximately {$8900.00} plus some interest. I have called Great Lakes, spoken to a Manager, sent proof of payments from the XXXX XXXX XXXX, written letters, including to the US Department of Education, searched the internet for assistance, etc. I am getting no where with these people. I have placed my loans in forbearance because I can not afford the $ XXXX/month payments, the loans will come due XX/XX/XXXX. I need help. I am XXXX years of age and will be retiring very soon, I was hoping to have this mess behind me before I retired. I am writing to you because I saw a news article about a law suit that the CFPB has filed against Navient for cheating millions of students. Let me know what I need to do. Thank you.
My brother attempted to send me money using Paypal on XX/XX/2018, which we assumed would be free to send money between family and friends. However, I was charged a fee of 2.9 % of the amount plus a flat fee of {$0.00}. I asked my brother and he said he believed the money was sent using the friends and family option, and not the 'payment for goods and services ' which applies the fee. I called the company and they were not helpful in resolving the dispute. They suggested to send the money back to my brother, in effect reversing the transaction. But, they would not reverse 100 % of the fees they charged on the transfer, even if we reversed it. It seems hardly fair the company can retain part of the fee on a transaction that was reversed.
My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     Thank You,
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point