WillisBack/dataset-financial-user-claim huggingface dataset:
In 2007, I made a decision to return to college to complete a degree I started 10 years prior. I was ineligible for student aid because although I was n't working, I am married. I had maxed out the amount of money I could take with XXXX XXXX so I borrowed from NJ class. When I graduated, I was sent a bill almost right away. I called to tell them that I was n't working and asked if I could defer/forbear the loan for a few months. I was told there were no options. With XXXX children to care for my husband and I had nothing to send while I was n't working. I called them back to make arrangements when I was finally able to obtain a job but it was too late and I was sued by their debt collection lawyers. I am now paying almost triple the amount per month than the original payment with the threat that if I do n't pay my wages will be garnished. I have talked several people out of taking loans with NJ class because their practices ; I was n't given any grace after graduation or any other options for repayment. I was n't trying to get out of my obligation, I just needed time to find a job or something that would have help during an economic hardship. NJ class feels they can get away with it because they do n't have to follow the same structure as the federal student loans but they ca n't be discharged on a bankruptcy because they are a student loan company so no matter how it impacts my family there is nothing I can do. I am forced to come up with a high payment that goes up {$50.00} every six months until it 's paid. Shame on NJ Class for giving people the false impression they are there to assist in the goals and dreams of students that just want to get an education but fall short on money.
PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.
In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.
Midlands called me to collect an old debt on my cell phone. I asked them to not call me anymore. Three days later, the company started calling me at my job and also gave information about the debt to my boss and other coworkers.
portfolio Recovery Associates is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
XX/XX/XXXX I entered into a Loan Modification Agreement with Chase Bank ( Acct. # XXXX ). I was required to make a substantial first payment in the amount of {$1100.00} with monthly payments to follow in the amount of {$710.00}. Per our agreement, after seven ( 7 ) scheduled payments my monthly payment would be reduced dramatically to approximately {$250.00} per month, as the loan would be " caught up '' and normal monthly payments would resume. 
I was required to send certified funds each month of which I did from a local Chase Bank. Each payment was withdrawn and transferred by XXXX XXXX - Relationship Banker, without fail. On XX/XX/XXXX I received a letter from Chase Bank, stating they were returning my payment of {$710.00} claiming I did not have an active payment plan. On XX/XX/XXXX I brought the letter and the returned check into the Chase branch and met with Branch Officer, XXXX XXXX. XXXX XXXX contacted a bank representative, XXXX XXXX and XXXX XXXX explained that Chase Bank was taking a " defensive '' position due to a communication with XXXX XXXX, my primary mortgage servicer. XXXX XXXX explained that there was no documentation he could forward to confirm a communication with XXXX XXXX and also stated the second reason for my account being placed " inactive '' was for non-payment since XX/XX/XXXX. XXXX XXXX did state he could n't understand why Chase Bank continued to accept my payments ( XX/XX/XXXX-XX/XX/XXXX ) after the account was suspended XX/XX/XXXX. 
I met with the local branch manager, XXXX XXXX and after approximately one week of investigating the claim of non-payment, she was able to have my payments confirmed as being sent and recorded in my payment history. There was never any mention of a " defensive position ''. 
Although I have made every payment on time and in accordance with the agreement, Chase Bank did not reinstate the payment plan. There was only one payment remaining before the loan would be reinstated in good standing and the much smaller payments would resume. 
I firmly believe this was deliberate and deceptive behavior on behalf of Chase Bank. Chase Bank refused the final payment ( of the trial period ) under fictitious and false claims. I am now being threatened by Chase Bank with possible foreclosure action and the request to start this process over again in order to avoid the action when Chase Bank has refused my payments. This is criminal.
Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with XXXX XXXX XXXX XXXX. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.
I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.
I submitted a complaint regarding this company within the past 6 months with your company, case file no.  XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX  for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter  XXXX  bankruptcy back in   XXXX   and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under  Plaza Services  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  (  XXXX  )  XXXX  for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very  XXXX  having to deal with false transactions and fraudulent reporting on my credit. Thank you
I have two student loans account that are on XXXX and Equifax due to Fraud! They were listed on XXXX but were removed XXXX XXXX, 2017 with police reports and ftc affidavits. XXXX forwarded the information to both XXXX and Equifax which they have to do because its a identity theft/ Fraud situation. XXXX refuses to delete the accounts as well as equifax. XXXX I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!
I opened a Care Credit account. I was told that no interest would be charged on promotional purchases. In XXXX this year, I was charged over {$1100.00} in interest. I requested that the interest be removed and Care Credit refused to do so. I was told that since I did n't pay all of the promotional purchase off in time, all of the interest for the entire purchase amount was charged to my account, over {$1100.00}. I was told these purchases would be interest free. This was not true. I have paid a total of over {$4500.00} on my account, and I can not see where my payments are going. My balance is nearly {$7000.00}. I was told that the payments were credited toward " non promotional '' purchases. This is a scam! See statement below.
I have been paying this loan minus certain forbearance and deferments for 11 years ( XXXX ). On multiple occasions I have asked them to remove my cosigner and make me a sole borrower to which they have refused. To unfortunate circumstances in XXXX I became very sick having to start the XXXX filings, by XXXX I had to file for bankruptcy. Even though both the bankruptcy and XXXX dissolved the loan Navient has refused to remove it from my credit report with the only exception being they transfer the loan to my cosigner, who has attempted to get removed for several years from the loan, even before any of these events. Both the cosigner and I never receive mail correspondence in regards to any activity of this account including the bankruptcy and XXXX and have contacted Navient many times. XXXX other student loans also agreed to my qualifying to XXXX including Navient, but Navient is the only one that is not truly closing the loan. My cosigner no I have yet to be informed that they are trying to again push the loan or the status of my XXXX application, I have found this information myself online.
Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's Equifax and XXXX  but this specific complaint is directed towards Equifax. 
I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Equifax but they were not able to see anything even when i tried to check my Equifax credit score on XXXX and XXXX i was able to see the credit scores from other 2 bureaus ( XXXX  and XXXX ) but not on Equifax so i tried to reach out to Equifax customer support almost 50 times from the past 10 days and there was no clear response from their side and looks like they don't even care about people, their customer support never gave me the answer that i wanted so i'm unable to get any auto loans approved as most of the banks/ credit bureau 's pull their reports from Equifax. 
So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible. 
I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well. 

Will be waiting for your Response. 

Thank you, XXXX
I did not find the right option for my complain, so here it is. 

This account was originally from GE Money now Synchrony Bank, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither Synchrony Bank or this collection company XXXX have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.
Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.       XXXX   and Experian have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both  XXXX  and Experian stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact  the Court o ffice and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both   XXXX   and Experian.     Please assist with removal of items. Thanks
XXXX XXXX XXXX contacted me on XX/XX/XXXX about old credit card debt from XX/XX/XXXX. They told me they were filing a civil suit against me if I didnt pay immediately. I was told I would receive debt settlement papers in the mail with the details of what I finally agreed to after feeling like I had no other choice. I paid them {$1000.00} to get them off my back. I never received any paperwork in the mail. So I filed a dispute with my bank and a complaint with the FTC. Please do not allow this company to take any more money from anyone else. Please do not allow this company to keep my {$1000.00} that I was pressured into paying them. When you call the contact number on their website, its disconnected. Their website doesnt even look legit. Please put a stop to these people.
XXXX  MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX  ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX  account within the Payment History section. 

After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). 

All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative.
i made my cc payment from my online checking account they rejected both payments and then reported me late to the credit agencies and then cancelled my card
Collection company is illegally reporting the " date opened '' incorrectly, per FCRA 623 ( a ) ( 5 ) ( A ). I have attempted to resolve this error MULTIPLE TIMES with the collection company via electronic dispute to no avail.
I am trying to transfer money back into my bank account from the XXXX app but its saying capital one blocked me from enabling external applications and its very frustrating.
On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.
I Have borrowed XXXX dollars with a repayment of XXXX dollars by weekly. I have made my first payment and noticed that it only credited me for {$10.00}. I called the company quickly only to descover that XXXX dollars go to the princpal and the rest go to the interest of the loan. I will have a total of XXXX payment of XXXX dollars to repay a XXXX dollar loan. I am a single mother I can not afford this. Please help.This will be XXXX dollars in the end. I started the loan XXXX/XXXX/2017.
XXXX XXXX XXXX keeps calling me at work. They would call both my personal phone after XXXX, and work every two hours. The person 's name is XXXX. His accent is foreign. I do not trust paying off my debt with this company. I spoke with XXXX. told him not to contact me at work. I told XXXX that I will do {$25.00} bi weekly as the letter states. XXXX stated that there is a {$55.00} Lawyer charge. The letter did not state a lawyer charge, so I am refusing to pay that.
Once again ... the only errors that have been fixed by Nationstar regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. Nationstar can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by Nationstar. 

Sincerely, XXXX XXXX XXXX XXXX
On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
I called Bank of America 's customer service line. Figuring I 'd be on hold for a while, I put my phone on speaker. I got an automatic message telling me to put in the last 4 digits of my card number. I did. An automatic message immediately stated the amount of money in my bank account! This is my private information. Bank of America should not have done this. I did n't ask for this information.
In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!
I am employed as a XXXX XXXX for a XXXX XXXX XXXX  XXXX  XXXX/XXXX XXXX in California. From XX/XX/XXXX to XX/XX/XXXX, I handled 4 mortgage closings for this company, which was subcontracted by XXXX XXXX XXXX. I have yet to be paid for these closings. I have requested payment from XXXX XXXX and XXXX XXXX XXXX, which has not responded. The total owed to me is {$250.00}.
I had been laid off from my job back in XXXX of 2015. 
I always paid my credit cards on time. However due to the lack of income I would wait until the last possible day I could before " being late '' to make each payment. None of my cards were ever paid 30 days or later. The creditors have refused to have this information removed. 
Here is the creditor info along with the months showing late -Justice ( 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 ( XXXX XXXX XXXX -Mid XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX ) -XXXX ( XXXX, XXXX, XXXX ) You should not be marked with a 30 day late by paying after the due date. You are ONLY 30 days late WHEN you are paying after 30 days.