WillisBack/dataset-financial-user-claim huggingface dataset:
In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. 

But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. 
Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. 
The real culprit however appears to be a line item detailed as " CSO fee ''. 

Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. 

While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. 

I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. 

I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. 

I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to Trans Union with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the XXXX XXXX XXXX XXXX XXXX. This account was opened due to fraud.
Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.
My wife and I went to our local Chase branch to discuss an issue related to fees. The brand manager became rude and unprofessional and refused to help us. I advised her of our intent to contact the CFPB and we left. A few days later the branch manger sent the police to our house and later they closed her account.
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XX/XX/XXXX and XX/XX/XXXX. My original mortgage servicer was XXXX XXXX and was bought out by XXXX XXXX XXXX XX/XX/XXXX. Due to the recent XXXX XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX Mortgage settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.
Trans union states this was verified, really by who? The court told me they do not verify or validate this. So they are telln a fib. Therefore now I ask Trans-union to cease n desist their in-accurate reporting of this information. They know full well courts do not validate nor verify this information.
I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.
I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither XXXX or Experian is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:Chase Account number: XXXXCredit Card Issuer:ChaseXXXX XXXX XXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. Chase never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling Chase multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Citibank fraudulently used an old HELOC for 10K that I opened with them inXX/XX/XXXX when I bought a home. Never used it, but loan officer said " just in case it 's good to have. '' IN XX/XX/XXXX CITIBANK cancelled the HELOC due to lowering home values.I refinanced mortgage to XXXX in XX/XX/XXXX who since held the loan. Citibank had no balance on account, no mortgage - XXXX owed them. 

InXX/XX/XXXX ( 10 years later ) Citibank sends a bill for their " force bought flood insurance '' and its retroactive toXX/XX/XXXX! Citibank reopened the HELOC that was from an original XX/XX/XXXX Loan long ago paid off, they had no interest ( zero ) in the home. Yet CITIBANK re-opened the HELOC 10k fraudulently & illegally, and used account to bill me {$5000.00} of " force bought flood '' insurance valued at $ XXXX retro backdating insurance charges to XX/XX/XXXX. 

Basically placing a lean on a home they had no mortgage on, and no right to insure. 10 + years later reopening an old HELOC, using this as justification to buy flood insurance using my XX/XX/XXXX account that was long settled, without my approval on a mortgage that they did not own. 

This is fraudulent, does a BANK have a right to re-open accounts from old mortgages using HELOCS to buy insurance WHEN they have n't serviced the mortgage for years??
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX   {$2400.00} not mine, no knowledge of accounts hippa violations
I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.
Gentry finance located in XXXX ut is the most difficult company to deal with. They have done nothing except make this loan difficult and unpleasant to say the least they have harrassed me to a point of feeling like a loser i wont answer my phone any longer. They have called my work more than 20 times after my boss told them not call they have harrassed my family members to a point with threating messages to give me and my info on my loan which should be private i borrowed XXXX dollars made every payment but has been late cause i get paid on the XX/XX/XXXX and XX/XX/XXXX and my payment is due on the XX/XX/XXXX if I I had money I would n't have got a loan through them I am struggling I have made every payment of {$150.00} and they add on {$30.00} every month for a late payment they will not change my due date to XX/XX/XXXX I still have to pay my rent or my car payment or my insurance and i have a family to take care of .I have to survive too they are harassing me I ca n't take it anymore please help me. they threaten me to take me to court by tomorrow morning at XXXX XXXX if a payment of XXXX is n't made which I am late making a payment but the XXXX is unbelievably wrong. They are not understanding they are bullies with big mouths i have been in there a witnessed this lady named well i forgot her name she was in charge of XXXX XXXX which has meged with gentry any ways i went in there to pay my bill and she was screaming at this person on the phone and was flipping him off as she was talking on the phone to this person. Its so uncomfortable going in there. They should be arressted and fired everyone of them. I am suprised no one has done anything to them its total evil there. thank you
Was in a bk-XXXX, was only 2 months behind, faxed in modification since XX/XX/2018, see just some of proof, XXXX get paid thru VA for going to school if full time at least {$1000.00} per month, he goes more so is more money and one month VA double up, will not ad up to XXXX per month have faxed and explained for 3 months and keep getting the same excuse asking for proof of deposit for XXXX!!!!! Are different amounts on the bank statements, have sent in proof of letter, etc and Carrington still keeps asking for same paperwork! WORST BANK AND UNDERWRITING CAN NOT READ! If not accepting they should say not using so now have to take off and use his staffing job since he started in XX/XX/2018. As a veteran, this shouldnt happent to me or anywone else!
Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that is incorrect.
My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!
Experian has improperly shared my information with collection agency law firm not for the purpose of employment or extending credit, I have been previously harassed by this law firm, who manufactured documents for claimed debt, and tried to sue me for debt released by class action lawsuit. Experian have improperly shared my information with at least XXXX such collection agencies who buy debt, refuse to verify it, manufacture documents
I originally applied for a XXXX refinance loan of my parent 's PLUS loans on XXXX XXXX after receiving advertising the mail for several years. I was preliminary approved. Then it informed me I could save with a co-signer so my dad agreed to be added to the loan. It then told me that with my dad, I would save 0.41 % on the interest rate, with the new rate being 5.115 % with automatic payment. That sounded good so I uploaded my income documents and a copy of my drivers license and told my dad that when I went out to his house, I was going to need the same from him. After I uploaded my documents, it came back and told me that I could get 5.115 % with or without a co-signer. This did n't sound right so I called SoFi as well. The representative confirmed that I would get the same rate with or without. So I decided to proceed without. 
Over basically the next 2 weeks, XXXX requested various documents including a letter from my father indicating that the original loan was a XXXX loan. Why did they not ask for all this at once? My father is XXXX and does not scan / email documents so I had to drive an hour one way to his house to get documents that would have been a lot easier if they asked for when I originally told them it was a PLUS loan and they asked for a letter of direction. 
Finally, after 2 weeks ( in which they indicate it is about a 4 day process ), I received notification that a new offer was on my loan. When I contacted XXXX, I find out that since I removed my father from the loan, the income went down and so my rate was going up to 5.525 % with automatic payment. 
They never said XXXX word when I talked to them about my father being removed that I needed his income to qualify for that rate. They have known what my income was for over 2 weeks. 
I sent an email to their customer service and did not get a reply so I logged on and chatted with a representative. She reviewed my information and agreed that I was told wrong information but said there was nothing they could do but I could add my father back if I wanted. I am not drive another hour one way to get a paystub and drivers license when I could have done that with the previous trip. 
She then advised me to call in. I strictly told her that if I am calling in to get the same information I would not be happy. She said to call. 
I called in and the representative told me the exact same information. 
I told both representatives that this appears to be deceptive and unfair, a complete bait and switch, and that I was filing a complaint with the CFPB ; however they said there was nothing they could do.
They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.
To Whom It  May  Concern  XXXX   XXXX .  XXXX   XXXX   XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  FL   XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item (  s  ) listed below are as follow : Have enclosed a copy of my Id an d two  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  B EEN LIVING THERE SINCE   XX/XX/XXXX   THESE ADRESSES ARE MY OLD ADRESS :   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   Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15  U.S.C.  1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant  to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to  me and all creditors who have received a copy within the last 6 months, or the last   2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.       Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the  item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal  Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.
After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.
Lien Release Request : My home of fifteen years is currently in " Foreclosure '' with a Conventional Loan that has a 15 Year Balloon Payment, which has reached it 's maturity due date. I have been, met with several challenges attempting to refinance and / or modify the Balloon Lump Sum Payment that has come due. So, I decided to listed my home for sale to avoid Foreclosure. 

After doing so, I did received an offer, and entered into a contract to close on the property within 45 days or less. 

However the Title Co. revealed XXXX Liens. A First & Second. The Second Mortgage Lien had been " Written Off '' XX/XX/2012 and has exceeded the Statute Of Limitations for collections in my State. 

However the Title Co. would not complete and close the sale of my home without a Lien Release for the " Written Off '' Second Mortgage Lien. 

Both the Title Co. and myself made separate requests and follow up requests for a Lien Release to be issued. Our requests went unanswered, and the Lien Release has yet to be issued which resulted in several contract extensions, and ultimately the buyer losing patience, interest, and confidence that the " Lien Release '' would ever be issued. 

Currently the Lien Release has not been issued, but instead a statement of the amount of debt that was due at the time of the " Write Off '' which has been time barred from collection based on my State 's Statute Of Limitations laws. The Lien holder 's lack of cooperation in this matter is hindering the success of any sale or closing and my ability to avoid foreclosure.
XXXX XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp