WillisBack/dataset-financial-user-claim huggingface dataset:
I am in the process of a payment schedule arranged by the loan servicer in order to prevent my account from being any further delinquent albeit still reported late while making agreed to payments. When the payment arrangements were made, I was informed by Navient that I had exhausted the ability to be in the " interest rate reduction program '' which has been a great deal of help to me as it makes the payments under {$300.00} possible with earning a salary under {$30000.00} per year, 10 years after graduation from a for-profit institution in which predatory lending practices were undoubtedly deployed at the time of taking out the loan by both the school and the lender, Sallie Mae. 

Based on the fact of ballooned salary figures and promise of continued career services which unfortunately for myself and many other former alumni of XXXX XXXX XXXX XXXX have found the career services department to offer minimal help if residing outside of XXXX XXXX XXXX and a few locations outside of the metropolitan area. My experience with the department led me to be told I lived in " a black hole '' and they could not offer me any assistance. 

As for Navient, I contacted the company on XX/XX/XXXX as the final payment per the payment arrangements mentioned prior are approaching on XX/XX/XXXX. In an effort to be proactive and after being told to call back in XXXX as " we'll figure something out, '' I did as instructed. I was told that the company only offers the interest rate reduction program twice every 5 years which is a lie because I have continually been on the program for all of the payments made since XXXX because I can not and will not be able to afford payments of {$670.00} per month for the next 30 years or the foreseeable future. I was told that because I essentially failed out of the program 1 of 2 times, I am not eligible for the program again until XXXX. 

The customer service representative then offered me no further solutions such as, an income driven repayment moving forward. I have been told that my regularly scheduled payments of {$670.00} will be due starting in XX/XX/XXXX. I do not have the financial ability to make those payments as stated in this complaint and to the customer service representative. This fact is unfortunate that Navient does not want to find a solution that works and the reality that is I have no other options but to prepare for defaulting on a {$50000.00} loan with {$20000.00} in interest after 10 years of taking out the loan. The regularly scheduled payments of {$670.00} make it impossible for me to live and keep my housing bills paid along with other day to day bills. Navient and Sallie Mae have provided me with minimal solutions over the past ten years and usually unwilling to understand that difficulties arise like divorce, relocation, family illnesses and death which cause financial strain or the fact that I have a useless degree. Unfortunately, student loans and the XXXX XXXX student loan crisis is real and dragging down many people especially with lenders unwilling to offer solutions.
I never used the service, but somehow charged on my credit report. ( {$530.00} ) and now even though it is saying " Account information disputed by consumer, meets FCRA requirements '' I 've attempted to request for removal several times. It is still reported on my credit report. Frustrating as I do n't have any documents started with. If I used the service I will have the document, but I do not have one
I recently attempted a person to person transfer through my bank ( People 's United Bank ) which then went through via XXXX. Though the details that I put in of the person I was sending it to ( my boyfriend ) were all accurate and the money was deducted from my account, he got the notification on his phone but was unable to receive my money. Somehow I then got a message over social media from someone living in the XXXX saying that a friend of theirs received the money and promptly spent it all. He knew the date of the transaction and the exact amount. I informed my bank but they and said it was a XXXX issue and would not reimburse my money. I then spoke to XXXX again and they told me that how the process worked was that Peoples United bank sends them the information of who to transfer the money to, and they then transfer the money to that account. XXXX told me that the name they received from my bank of who to send the money to was someone who lives in the XXXX who I have never heard of. Attached are copies of my bank statement that show that I intended to send the money to my boyfriend and not the person in the XXXX. XXXX then told me that due to this, it appeared to be an issue with the bank and they would not reimburse me. All I want is my money back but no one will give it to me ( and the person in the XXXX already spent it all ). I will also be filing a police report but that won't get me my money back.
Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person
Both my wife and I signed up for the Chase XXXX XXXX XXXX card in XX/XX/XXXX. At that time when you completed one year with the card ( and paid the {$49.00} annual fee per card ) you would receive a certificate good for any XXXX property in the world. Therefore, this year ( XXXX ) in XXXX we were set to receive this certificate after paying the {$49.00} fee. In early XXXX of this year we each received a letter stating that any certificate issued after XX/XX/XXXX would only be good at XXXX hotels valued at 40K points or less. This was pretty annoying because we had signed up with a different understanding. However, we know that companies reserve the right to change programs at will. 

However, we later discovered in a written communication with a Chase representative that " If a customer 's account was opened between XX/XX/XXXX and XX/XX/XXXX the this change doesn't apply to their account for the first year ''. See attached picture. Thus, someone who signed up AFTER we did would receive at least one unrestricted certificate. It defies logic that the company would reward people who signed up later than us to receive a reward from which we were being denied.
On XXXX/XXXX/2015 as soon as my Social Security XXXX Direct Deposit credited to my card, Direct Express suspended my card. I ca n't transfer my income to another bank, make purchases or view transactions online. 
On XXXX/XXXX/2015 I wrote Direct Express after viewing my XXXX Statement ( postmarked XXXX, had insufficient postage, and arrived XXXX ). The XXXX Statement showed unauthorized charges and credits which I outlined in detail in my letter. Direct Express did n't respond to my letter. 
On XXXX/XXXX/2015 my XXXX Statement also had unauthorized charges and credits on it so I wrote Direct Express outlining them in detail, some of these came through my account on XXXX, XXXX, XXXX after my XXXX suspension which is n't fair to me. 
To date, unauthorized credits minus unauthorized charges total a {$4.00} loss from my account. 
Direct Express charges me XXXX cents per month for the paper statements which are checked by me for suspicious activity as soon as they arrive. I notify Direct Express as soon as I find anything wrong, in detail. 
Direct Express is holding 3 months of my income. Social Security advised me to contact Direct Express and so I did. I have followed instructions on my monthly statement. I watch the mail for anything from Direct Express, an Error Resolution Form, a replacement card, but they do n't respond. I have no other source of income. My card has been suspended since XXXX/XXXX/2015.
over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?
I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
I was trying to get my annual free credit report on XX/XX/XXXX and ( as usual ) Equifax would not make the report available online. I got the usual " mail us the form with all of your sensitive information on it for us to send you a report ''. I ended up calling the annual free credit report phone number and managed to get a report, but I now have to scan in 28 pages so that I can save the report on my computer. This happens every year and I have never received an explanation from Equifax as to why this happens. This also prevents me from filing a dispute electronically - again forcing me to send in more sensitive personal information. 

This same nonsense has prevented me from signing up for several US government web sites ( like Social Security and the USPS web site ).
I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I  made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. 

This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.
I had a loan that was placed 30 late in error. The company retracted and told me it would correct the mistaken 30 late notice error reporting to the credit agency. I have not seen a change. 

I called in with an attempt to pay on the above account and was told to wait, someone would contact me if the payment did not go through. 

When I called back, the payment had not processed so I paid within the grace period. 
Why did I then get a late derogatory notice sent to the credit bureaus? 
I received erroneous payment detail for customer service, representative error This is my email " Good morning, I would like to formally contest the 30-day late item posted to my credit report. 

I called in several times about this payment being applied to my account and rejecting although funds were in the account. I have never had this problem before with XXXX. I called customer service to get more answers. The first person I spoke to told me that the funds did post. I was relieved. But I received another email saying that the funds were rejected. Confused, I was told to wait and call back at a certain date and time for more answers. The day I did call back, I was told that you were still having problems with this account so I paid the entire past due on a debit card. I was ensured that no credit bureau notice would incur if I paid that day. 
If you look at my entire credit account in each credit bureau, I have never had a late payment for the entire history of all my accounts, I take this seriously. 
Please give me a one time grace and reverse the late reporting on this particular account. I have attached a pic of the credit report. 

Thank you in advance. 

XXXX XXXX XXXX ''
Transunioin-I attempted to place a credit freeze on my Transunion account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than Transunions. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally and physically continuously.
Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.
XXXX XXXX XXXX XXXX Finance manger was very rude in the way he talk to me and very Bias as well as a pure XXXX. I came there to trade in a car and the salesman was very nice and helpful. The finance manger told me he could not get me Finance with {$40000.00} dollars or XXXX no amount money would Capital one take the loan. Funny Thing I have a car loan with Capital One Bank and it can be Verified by capital one I never had a late payment nor any late fees as well for the last 2 years no credit cards student loan is late or behind. This Finance manager also told me they use a Formula and when we look at his computer screen it was showing things that had been deleted off my credit file and it was as he was trying to use it against me. I contacted Capital One Bank and was told when the loan was in pending status the Finance manager did not respond back to capital one as if I wanted to put more money down. My feelings towards euro motors as people had told me that there not the dealership to do any business with and they are awful when it comes to customer service. I have also contacted XXXX XXXX XXXX to the issue with the Finance manager and the way he talk to me. I no he have some excuse as most do and try to justify his actions and all that but XXXX is very bias and that's it. Typical hidden agenda type Finance manager that's explain why the times I visit the store there is real inventory at the lot and to why so many old used cars on there showroom floor.
On XX/XX/18, I was sent to collections for a debt that was not mine. The medical debt, XXXX XXXX XXXX   did not submit the billing to my EMPLOYER as directed on the Self insured form. They continued to send me the bill, however, I was injured as a result of an assault while on duty at work. XXXX sent my account to RENTON COLLECTION # XXXX. This collection should not be in my credit report, as this has been paid by my employer and this debt is not mine.
First National Bank had a summer promotion that included a {$150.00} bonus when qualifying terms were met. On XXXX/XXXX/16, I opened up a checking account with them, with the intention of fulfilling the terms, collecting the bonus, and utilizing the checking account services. To my surprise, First National Bank contacted me and told me that this bonus offer would not be honored, my opening deposit was refunded, and my account was closed because I was not in their " Service Area ''. Unfortunately, this information was not presented at the time of the disclosure of the bonus and was nowhere to be found on their website. Although disappointed, I decided to move on. I received a second call back a couple days later, informing me that because the terms did not state " service area '' that they would be honoring the bonus. Although they did not redeposit my initial depsoit, they informed me that If i were to ACH deposit another {$1500.00} ( to meet the terms of the bonus ), I would, receive the bonus as stated in the terms and conditions of this offer. Unforunately, I have not yet received this bonus, and attempts to contact First National Bank have been unsuccessful. I feel that my treatment by this bank, the information presented, and the back and forth of opening/closing this account has been unprofessional and unsettling. In addition, the terms of the bonus were met and have not been honored.
On XX/XX/XXXX, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.
I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.
1. I received a promotional invitation from Citibank for AA advantage XXXX miles after I spend {$3000.00} within 3 month. 
After I spent about {$3800.00} I called Citicards to inquire when will I receive the bonus miles. They told me that I am not eligible because I receive bonus miles withing the last 2 years. I asked Citi card to close the account. 
This account was opened on XX/XX/XXXX 2. About a year later I received same offer. This time I called Citi card before using the card now they told me that I am not eligible to receive the bonus miles because they changed their policy and now " because I applied withing the past 2 years I am not eligible to receive the bonus miles. I asked Citi cards to close the account. 
This account was opened on XX/XX/XXXX this account WAS NEVER USED. 

3. Another year later and I received another offer as mention above. 
This time I called Citi cards BEFORE I applied. Cit cards Rep assured me that I will receive the bonus miles. upon receipt of the card and before using the card I called for another verification. I was told that I will not receive the bonus mile. I closed the account. 
This account was opened on XX/XX/XXXX And WAS NEVER USED. 

On all 3 cases above I was mislead by City cards THE HARM Because the above is showing as opened accounts on my credit report I have been denied credit a number of times. This, because some banks have a policy that if 5 accounts were opened in the past 24 month it is automatic denial.