WillisBack/dataset-financial-user-claim huggingface dataset:
Upon asking navient if there was anything to do to lower my monthly payment they suggested defaulting on the loan. I said no to default I do n't want to hurt my credit. They suggested forbearance which I also did not want to do. I asked for an income sensitive plan. They said they did not offer anything like that. They adjusted the plan so I am just paying interest but nothing substantial to the principal. Even that amount is more than what I can pay. I heard about the class action lawsuit against them for people who had the same thing happen to me.
Why are consumers having to pay for protection services for this breach of Equifax? According to the attached article, it is $ XXXX per credit bureau : XXXX freezes, which remain in effect as long as a consumer wants, are n't free, however. Each state has its own sign-up procedures and fees. Freezing one 's credit is n't expensive. They cost anywhere from {$5.00} to {$10.00} per credit bureau. 

Check out this article from XXXX XXXX : How to defend yourself against identity theft after the Equifax data breach https : XXXX This is egregious and not fair. Equifax should bear the cost of implementing a freeze, as well as notification all impacted consumers. 

Please look into this matter and use whatever powers for your position to address this travesty. 

Thank you for your assistance.
I am writing in response to a phone call I had with a JCPenney representative regarding my account # XXXX XXXX XXXX XXXX. He was very rude with me and after asking him on three different occasions to let me speak to a superior, he refused and continued to argue his belief of my situation. I called because I realized that for over a year I have been charged late fees totaling over {$600.00} within the past year ( that the representative was able to establish to date ). He could not tell me at what point the fees began because he stated he could only see as far back as the XXXX XXXX statement. The belief is that the practice has been going on much longer. 

At some point in XXXX, I must have missed a payment. My frustration is I totally agree that if I had a late or missed payment, I should be charged a fee for that month, but not every month after that. There has never been any notification from JCP that this was a continued problem or a re-occurring issue for the past year or so. I am not sure if what has happened to my account is even legal. A customer should be liable for any late fees applied and I completely agree with that but if I make a payment for a specific month, then it is my intention to pay for that month including fees, if any. It should not be applied as JCP deems fit against a previous month in order to accrue monthly late fees on a continuous basis for more than a year.

Being a long time customer of JCP, I am very disappointed how my account has been handled and the lack of communication and customer service given to me over the years as well as the representative who was so argumentative with me in response to everything I was explaining to him trying to clarify what went wrong. I even asked if we could verify these payments by the confirmation numbers I wanted to provide for the month ( s ) I had paid and he refused. As a consumer, at the very least, I should have been told when these fees began in order to attempt to determine exactly where the discrepancy began. He was unable to provide me with any information regarding these fees being applied to my account prior to XXXX XXXX.
On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.
Affid
avit of Demand by XXXX XXXX XXXX XXXX  OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XX/XX/XXXX/2017 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I had been taking out a payday loan with CashNet USA for a few months. After repaying my loan and signing in to reborrow, I did n't see the option of my original payday loan, only the " new '' option of a Line of Credit. I was approved. The payments were set up to draft from my account monthly. The first payment was roughly {$240.00}. However, the following payments were just down right ridiculous. Ranging from $ XXXX- {$800.00}!! That 's more than ALL of my monthly expenses combined! And to top it off, the line of credit gains interest DAILY. My balance is the same that it was when I was initially approved for the loan. It does n't seem like there is a way out! I feel like I am a victim of predatory lending.
I sent Nationstar mortgage a QWR on XXXX XXXX, 2016 Reference # XXXX And they said they would answer back by XXXX XXXX, 2016, how ever they have ignored my request. Please see attached letter
XXXX is the most recent loan servicer for our accounts ( 5 ) and took over in XX/XX/XXXX. Prior to that, since XXXX, we were serviced by XXXX, XXXX and XXXX. We have been making on time repayments with no problems until XXXX assumed the liability. We have bank statement proof that the payments are being made. XXXX is misapplying the funds and terrorizing me with threats of ruining my credit ... every month. They do not listen. Eventually they acknowledge the debt is current via email and the very next day the collection calls begin again. 

The problem is THEIR mismanagement of the payments being applied to the accounts. It was never a problem with the prior loan servicing companies. I can not tolerate being threatened every month by this hostile and overly aggressive company when I have BANK STATEMENT PROOF the accounts are being paid as agreed. 

Without YOUR intervention I will be forced to file a civil action to force them to stop. This is nothing short of financial XXXX and I will not tolerate it. 

XXXX XXXX XXXX. Box XXXX XXXX, PA XXXX Details Account # XXXX Accounts pull date XXXX XXXX 1st year XXXX 2nd year XXXX 3rd year XXXX 4th year XXXX 4th year
Original Loan balance in XX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called XXXX XXXX XXXX and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.
Transunion removed an account from my report because it was fraudulent, and they illegally inserted this same account back onto my report.
I was a student for 2 semesters at XXXX XXXX for cyber security. During my 1st semester my advisor helped me choose classes towards my diploma. One being nutrition. Come to find out towards the end of my 1st semester my nutrition class wasn't accredited towards my diploma so due to rules with financial aid I was put on academic probation ( I passed all my classes ). My second semester I had work related issues that caused me to miss too many classes. I would have been put on academic probation but due to the administrative mix up the semester before my financial aid was revoked and I was told I would have to pay {$1300.00}. XXXX XXXX was known for doing this and I found out my nutrition class wasn't towards my diploma from a fellow cyber security major in my class. I shouldn't have to pay for a mistake my advisor made, I should have been put on academic probation after the second semester.
This all started in XXXX we ended up filing for bankruptcy due to my loosing my good job. and has never finished ... We did a modification back then and owed XXXX and ended up with a new amount of XXXX and a payment of XXXX. This began to be a problem due to me loosing my good job in XXXX of that year. 

We ended up struggling to keep paying and in XXXX we filed for Chapter XXXX bankruptcy and tried to work something out, we were lied to by the bankruptcy attorney as well as Citi Mortgage they said after we made the Trial payments of XXXX. And that we Qualified for the making homes affordable loan forgiveness program.We did make the trial payments and then Nothing never received final papers.And then the program ended before we received any final papers. At this point we are living paycheck to paycheck. 

Then in XXXX of XXXX XXXX my husband began missing alot of work due to XXXX Problems and this caused a shortage on funds to pay the mortgage as well as all our bills. I did contact Citi Mortgage several times and each time was put on hold then the calls would be lost.. In XXXX of XXXX XXXX had XXXX  XXXX and had to take off work and Citi Mortgage was again notified of the situation. 

Then in XXXX I was diagnosed with XXXX XXXX and as a result I have missed alot of work and again, I notified Citi of this situation and asked for help. I am still dealing with the after effects of the XXXX. We then hired XXXX law to help us and they said they are looking into respa stuff and that Citi should not contact me and they have on many occasions and I asked them to get certain documents from Citi as per my rights and still have not received. I wanted a copy of all statements and payments, I have made since they acquired my loan and I have not seen anything in this regard. As well as no detailed breakdown of how or where they are coming up with these amounts. I also asked to find out about what Insurance is on my account and No answer on that either. 

All we are looking to accomplish is a fair shake. We Never expected to not Pay our Mortgage and have all the difficulties. We just need some help and for them to work with us and maybe Write off some of that Debt and give us a payment of around XXXX or less per month. Less would be better of course but, just want a fair chance to get back on track..As they promised back in XXXX. 

XXXX and XXXX Bless
XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Robocalls from " Transworld Systems Incorporated '', asking me to call XXXX for XXXX XXXX. It 's a phone answering service, nobody ever picks up, and I ca n't get any information on whom they are trying to contact or what the debt might be. And they keep calling multiple times a day. 
I 'm pretty sure I do n't have any outstanding debts - but these idiots keep calling, and not responding to messages left on their service.
Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.
GM Financial is incorrectly reporting late payments from  XX/XX/XXXX  to XX/XX/XXXX  on an account/loan that I paid off in XX/XX/XXXX to  XXXX . This has lowered my credit score by  XXXX  points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on  XX/XX/XXXX  @   XXXX   CST and explained to   XXXX   ( Employee ID #  XXXX  ) and she offered no help to fix problem. I called GM Financial once again @  XXXX  CST and spoke to  XXXX  ( Employee ID #  XXXX  ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had  16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day  late paymen ts, and 2 - 60 da y late payments that were between  XXXX  -  XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in  XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX  to XX/XX/XXXX  in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on   XXXX   and refuses to correct. I attached the  XXXX  credit report showing these errors. I also attached the  XXXX  credit report which is accurate and shows that I paid off loan in  XX/XX/XXXX .
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for help.
I wanted to start that I have been mostly satisfied with the XXXX XXXX XXXX XXXX XXXX 's responses and resolutions in previous issues. However, the law requires me to file this dispute through the credit bureaus to preserve all my rights. 
I have a credit card with XXXX XXXX XXXX XXXX XXXX ( XXXX ). There were approx. {$750.00} in unauthorized transactions including unauthorized payments from an unknown account. Which also placed this account over the credit limit. As a result my minimum monthly payment increased from approx. {$70.00} to over {$1300.00} ( see  attached ). 

I reported the unauthorized transactions and XXXX timely provided a temporary adjustment. However due to a glitch the minimum monthly payment never adjusted on the online account summary page, but once I clicked the link to make a payment the accurate monthly payment amount displayed as $ XXXX/ {$70.00}. However, when I did attempt to make the monthly payments I would receive an error message. XXXX conceded on the error message being due to the current account status and provided a work around. 

As a result, this account is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?
I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.
Wells Fargo is refusing to honor its recent agreement with the CFPB. I submitted a claim to Wells Fargo on XX/XX/XXXX for {$24.00} in fraudulent service fees ( letter attached ). Wells Fargo refused to refund the service fees ( XX/XX/XXXX attached ). Their reason was they were not notified within 30 days. I had sent them written PROOF with my XX/XX/XXXX letter that I notified them within 30 days. They just ignored it. The PROOF is attached. Service fee XX/XX/XXXX. My WRITTEN complaint attached is XX/XX/XXXX THIS IS WITHIN 30 DAYS!!! Please get Wells Fargo to stop ignoring written proof that they were notified within 30 days. They are a corrupt bank and will make up any lie to avoid paying back the customers. In my opinion, the Wells Fargo employee should named XXXX should be investigated by the Department of Justice and sent to JAIL ( along with ex President of Wells Fargo XXXX ) for being a part of this SCAM!!! Wells Fargo opened a type of account I did not want. I was told no service fees. Here is their SCAM : since I did not use my debit card for 6 months they cancelled it and started charging service fees because I then did not have 3 linked accounts. Then they refused to refund the fees even though they were notified IN WRITING WITHIN 30 days. This is a deceptive business practice and a complete SCAM designed for Wells Fargo to make money off customers collecting service fees that they caused to occur. When I opened this account, this trick of Wells Fargo being able to cancel a card and then my owing service fees was never disclosed. According to what I read about the CFPB fine for Wells Fargo, customers who received types of accounts they did not want are entitled to a refund of the service fees. Wells Fargo is still refusing to refund the service fees and ignoring its agreement with the CPPB. They owe me {$24.00}.
I have a loan with XXXX XXXX XXXX and CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Plaza Home Mortgage , Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ) used to service our loan before it was transferred to the XXXX XXXX XX/XX/XXXX. Now, Plaza Home Mortgage refuses to provide an IRS Tax Form XXXX ( XXXX ) for XX/XX/XXXX to us. I called Plaza Mortgage XX/XX/XXXX and was told that all forms were mailed by XX/XX/XXXX. We received nothing. On XX/XX/XXXX I sent Plaza Mortgage Customer Service an official request for the Form XXXX via email. Today is XX/XX/XXXX and we have not yet received the XXXX tax form. Plaza Mortgage failed to respond to my written request. As a result, we are unable to complete our tax return paperwork.
My wife received a job offer from a person who found her on  XXXX . He said his name was   XXXX   XXXX  . He wanted my wife to babysit his daughter. He sent what turned out to be a fictitious check to my wife in the amount of {$2500.00}.   XXXX   asked my wife to take out {$220.00} for her to keep as part of her first paycheck. Then he requested that she help with groceries. He also wanted her to send {$2200.00} to his prospective landlord. My wife and I sensed that this was a scam. I told her to deposit the check which she did on   XXXX   in the morning. In the afternoon, I called the bank to find out when the check would clear. They told me it would be the next morning. The next morning the balance in our checking account reflected that the check had indeed cleared. My wife went to the bank on  XXXX . She asked the teller to confirm that the funds were available since we were still suspicious that this was a scam. The teller told her that the check had cleared. She relied on the teller 's word and sent the transfer to the supposed landlord. A few days later we discovered that the check was fictitious and we ended up losing {$2200.00}.   I called the bank  ( Chase )  and asked how this could happen. They had told me that the check had cleared and the teller also told my wife the same. Chase bank has shown no responsibility for their actions and they understand more than me how these type of scams work. That is my complaint.
Hello, To whom who may concern : my name is XXXX XXXX. I attended XXXX College and they took me in without asking me for my High School Diploma. I thought that was very wrong for them to do that. Also, they have never helped me find a job after I XXXX.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. The company set up a website, www.equifaxsecurity2017.com, that consumers  can use to determine whether their information was compromised. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.