WillisBack/dataset-financial-user-claim huggingface dataset:
I received a copy of my credit report stating there was a new collection account added upon viewing my account I noticed it was a debt that was not attached to my social I disputed it with the credit agencies. That came back and stated this debt was valid when they did n't provide no contract that I signed or no proof that this belongs to me.
There were 4 fraudulent charges made at XXXX XXXX XXXX # XXXX XXXX, Tx 2 charges on XX/XX/18. {$130.00} each Another 2 charges at the same location on XX/XX/18. 1 for {$130.00} and another for {$24.00} totalling to {$420.00} Chase Bank originally reimbursed the money back into my account, but after a few weeks they reversed the credit and took the money back stating that they didnt believe the transactions to be fraudulent. I was then told in order to reopen the investigation i would need to file a police report, once i did that they told me to take it up with the police department and that it was out of there hands.
I had a payment plan in place. The car was repo. The bottom side running board was knocked off when removed. I informed them that sent they wanted the car so bad I was n't going to be responsible for it. They sold for half value. Keep calling. 4 to 5 times a month. Thanks
Capital one placed restrictions on 2 of my credit cards and changed credit cards and refused to send me new credit cards once they was completed with fraud investigation. They also reported false information to credit bureaus that my accounts was past due. I have contacted capital one fraud management to try and resolve this matter. Capital one is taking money automatically out of my bank account monthy for my payments. This is so unfair to me as a customer. If capital one dont send me new credit cards and remove restrictions from my cards, I will not be paying them any longer.
This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.
My number is listed on the National Do Not Call Registry. However, I have received XXXX calls from XXXX since XXXX/XXXX/15. They call up to XXXX times a day between XXXX and XXXX This number has several complaints on XXXX. It is identified as a debt collector from Midland Credit Management. This company left a message on my answering machine for a debt pertaining to a person named XXXX. I do not know who that person is, nor how this company got my telephone number, since I have not done business with them or owe them anything. The calls are a nuisance/harrassing. Thank you in advance for your assistance.
My student loan servicer Nelnet has continued to Stonewall me and refuses to work with me when I call and ask them to lower the amount of capitalized interest on my account and does not tell me the amount of capitalized interest it would have been if and why they did not put me on a income based repayment plan the whole time. They have taken advantage of me including after I called when I accidently defaulted as I was still XXXX XXXX XXXX from a XXXX XXXX XXXX that almost resulted in XXXX. Instead they steered me astray and capitalized my interest 7 times in that same year, this information I retained from the national student loan database. They have capitalized my interest 17 times  on one of my unsubsidised consolidated direct loans. This in less than 7 years?? It is not right to do this. When I call they never send me paperwork or email documents that supports my question on how much would have the difference been if I was on the i.b.r. even the most recent time I sent my recertification paperwork for my loans for my i.b.r. payment plan a month early and called them to insure I would not have my loan status changed and they told me it would not. When I called again and talked to a supervisor I was informed they indeed " did not receive my documents on time '' and they once again manged to change my loan status on XX/XX/XXXXand changed it the next day on XX/XX/XXXX once again capitalized more interest. It 's criminal what they are doing to people and I have filed a complaint with the federal student aid ombudsman and the federal student aid feedback center but am awaiting results from the federal student aid feedback center before the ombudsman can move forward. I feel taken advantage of when I call these people and tell them I 'm homeless, have no job, am struggling fininacially or have serious medical issues and they failed to make my life easier, but instead train their employees to shaft customers instead of putting me on a i.b.r.. why  do they continue to make billions of dollars capitalizing as much interest as they can from struggling American citizens. I know that I 'm not the only one getting g taken advantage of and somebody needs to let these crooks know this is not okay. My case number for the federal student aid ombudsman is XXXX and my case number for the federal student aid feedback center is XXXX. Feel free to contact them as you have my permission. Please help me I 'm buried in debt and do not want to be financially XXXX by a shady company such as Nelnet.
I have received several letters XXXX all sent on the same day plus each letter had different amounts with them increasing ( in one month alone ). In addition to the letters I have received multiple calls as well.
I applied for a loan modification with Bank of America in XXXX XXXX. My modification was approved by Bank of America XXXX XXXX, XXXX. The modification required that I make 3 payments at a different amounts from the payment amount prior to the modification. The payments were to be at the modification amount XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I made the first loan modification payment on XXXX XXXX, XXXX with the memo saying XXXX modification XXXX. I received a call today XXXX/XXXX/XXXX from XXXX XXXX from Bank of America asking me if I made the payment and I told her yes. I made the payment on XXXX XXXX. XXXX XXXX told me that because I made the payment early it may not count toward my modification. XXXX XXXX my loan manager asked me in XXXX if I wanted to pay my first pay early to get started.
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
The company denied my dispute of XXXX XXXX charge which I did not subscribed. In addition, I can not retrieved the statement of last year.
On XX/XX/XXXX I visited a Chase ATM and asked to withdrawal {$300.00}. The ATM was unable to dispense cash and issued a receipt stating transaction denied. However I noticed that it appeared on my online banking as a withdrawal. I immediately called chase and reported it. I was told within 12 hours it would appear back in my account. 2 days later it was still not in my account so I called again and then was told in 24 hours. However a few days later the credit was still not in my account. I called again and was told 1-2 business days. I again called on XX/XX/XXXX two weeks after the ATM dispute and now I am being told that there is no timeframe to return the funds to me. All they tell me is that there is a system glitch and they are unable to help. I find it ridiculous that it is taking this long. In the meantime I have no money in my account to pay bills or other necessary things.
My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. 

Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 
1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 
2. They had me do a conference call with my actual bank to verify the funds were good. 
3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 
5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 
6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.
RE : TRANSUNION I wanted to dispute an item on the Transunion online site but could not gain access. 
I had to register as a New User. 
I tried XXXX ( XXXX ) different user names to use and they were all rejected. 
There is a XXXX in XXXX chance that ALL of the names I tried to use as my user i.d . could have been already in place by " another '' user. 
They ( Transunion ) set up a special " button '' to use to file a dispute, .... however it does not allow you access. 
Additionally, there credit score numbers are always significantly lower than the other XXXX reporting agencies which has a negative affect on a persons credit score.
I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? 


There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
In XXXX I opened a checking 's account with Capitalone360. I was giving the option to add external account to fund the checking account. I add an account which I transferred XXXX into the Capitalone360 from external account. The bank blocked my account. They said there 's was a block due verification. I was fine with them verify me and asking questions. They verify me and said that everything was fine. But the account still had a block on it. I could n't get through to speak to anyone. So months went by and still heard nothing from Capitalone360. Not a letter stating what going on with account not even XXXX phone call. My money has cleared in that account and has been sitting with this bank on hold for months. I asked to speak with a supervisor multiple times. But I kept getting we put in the system for someone to give you call. I never received a call. I feel that this company does n't care for there customers. I put my money in the hands of this bank thinking I would handled a good manner. The customer service is horrible it take hours to speak to someone. And when they do answer its nothing but attitude. Its very illegal to hold someone funds over 30 days. Without any letter or bank statements. Still on XXXX XXXX, 2016 I still have n't heard anything. My funds are still being held.
I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.
I have been unable to work since 2008, and have applied for XXXX since I first learned of what was happening to me only to surprisingly learn that while my Federal student loans have all been forgiven ( mailed at the same times ), that my XXXX private loan does n't believe I used them for school ( that 's who they mailed the check to NOT me ), that my XXXX is stopping me from working, and the latest is that they ( Navient ) would gladly help me but never received the forms, and that my XXXX paperwork can not be found and to resubmit the forms ; which sounds reasonable if I had n't done so several times already when they were XXXX, and now I wonder who has my personal medical information, if they 're worth the strength and energy ( even thinking on things wears me out at times ; typing this I feel fatigued ) to gather what they ask for again, and if it too will vanish after I mail it to them. My minimum payments have increased {$50.00} to {$120.00} because they say I 've used up what deferments I was eligible for, again I 'm unable to work which they then just remind me of how missed payments will have to negatively affect my credit/be noted as defaulted and fall on my co-signer, my co-signer fell on hard times before my medical condition even ocured and I tried to pay to get them off when I was employed, working, and paying extra to ( when I took ill and depleted my income ) be told I did n't pay enough times for them to release her and now I see that my current deferment already has $ XXXX due in interest from less than 2 months of deferred payments that resume at the beginning of next month. I try to prioritize my bills, with a now limited income coming in and plan to pay what I can when I can, but it 's hard to get to their demanded monthly amounts. ANY help would be great, thank you in advance.
I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.
My private student loans that are currently in repayment with Discover Student Loans have an astronomical interest rate and minimum payment. After having a huge mishap on their part because they were unable to inform me that I had missed a payment, decided to refinance with another loan carrier. In this process, I needed to contact Discover to print me a new statement that showed I was current with my payments and had no balance left over for the month so that I could send my completed application to the bank I was refinancing with. After telling me that they would send the new statement, I waited five days and never received it. They " sent me another '' statement. Another three days and never received it. I was then told that they could not even make me a new statement hat showed this information and that they would fax a lenders letter that showed the information I needed. I waited four days for that fax and called everyday. Those four phone calls ended with " it will be sent in the next 24 hours. '' Finally on day 4, I spoke to a supervisor who actively attempted to fax the letter himself. Of course, whether it was my fax machine or theirs, I 'll never know, but the fax failed. They then overnighted me the letter. I now have the letter, however the exact information that I was clear about needing is not on the letter. They are now overnighting me a letter that they claim has the information I need. Regardless, because this whole process has now taken almost a month, I have, once again, paid my minimum payment which is XXXX % my monthly income as a teacher. All I needed was up-to-date information about my loans and all the money I have been paying them. A month to receive that information is unacceptable.
My mortgage was sold in XX/XX/XXXX from XXXX to Specialized Loan Servicing LLC ( SLS ). I contacted SLS regarding an application for a loan modification due to some unforeseen circumstances that had happened regarding my home. They mailed me out an application and I also printed one from their online website. I contacted them regarding how I should return the application. The lady said I could mail it to the address on the application, email it to the address on the application, or fax it to the number on the application. Since I had pictures to attach to the application I decided it would be best just to send it via email. The email address they gave was XXXXXXXXXXXX. Every time I sent an email I got a confirmation email back saying my documents were received and waiting to be processed. Starting on XX/XX/XXXX, I started receiving calls from SLS 's main number XXXX the caller identified herself on my voice mail as XXXX XXXX with the underwriting department at Specialized Loan Servicing. After a few days of phone tag, we were finally able to touch base. I spoke with XXXX on XX/XX/XXXX and she was wanting to discuss my modification approval for a HAMP modification. She also said the paperwork had been mailed out but since I had n't gotten it she would email it to me and that I would n't be able to open the email without a code and the code would be my social security number. She said this was for my protection. I received the paperwork and looked it over. The loan number on the paperwork was mine, the amounts added up, the phone numbers were to SLS so everything seemed legit especially since the only people who have my loan number were me and SLS. Remember loan numbers are NOT public information. I signed the document and sent it back to SLS 's email at XXXXXXXXXXXX and got a confirmation email back saying it was received and being processed. I also made 2 payments towards my trial period payments totaling {$1200.00}. On XX/XX/XXXX, I received a call from SLS touching base to see how things were going and to let me know they were missing some documents to finish up a loan modification. I told him I always spoke with XXXX, he said that XXXX worked out of their XXXX office and it was only by chance that I always got her. I explained I had already signed a modification agreement with them that XXXX had sent me and made 2 of my three trial period payments. He looked at the agreement ( 6 days after they received it ) and told me it was n't something they had sent me. Then tells me the numbers on the agreement were n't to SLS he said that the number for where my loan was at was XXXX. Obviously, XXXX did n't have very good XXXX because that is the exact number that was on my papers. I have made a report with my local sheriff 's office, the white collar crimes division of the FBI, and the fraud department with HAMP.
This is a complaint from XXXX against CBE Group for CBE Group 's failure to provide requested information for the debt alleged. As of XX/XX/2017, CBE Group has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX  statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.