WillisBack/dataset-financial-user-claim huggingface dataset:
The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX CREDIT CARD - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX +  {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me.
Dear Sir/Madam : I would like to request you to do an investigation against the Experian Company, XXXX. XXXX XXXX XXXX, TX, XXXX, US, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XX/XX/XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the Experian Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX  ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XX/XX/XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XX/XX/XXXX ( XX/XX/XXXX ) that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.
I applied for a loan online and was denied. I requested for the lender to explain the reason ( s ) for the denial. The lender told me I was denied because I had an outstanding balance of {$350.00} from a returned check the lender is claiming I wrote at one of their locations in XXXX XXXX, XXXX on XXXX XXXX, XXXX. I explained to the lender that it was not possible because I resided in the state of XXXX at the time the alleged check was written and did not move to XXXX XXXX, XXXX until XXXX XXXX. I also explained that I had been a victim of identity theft around the time the alleged incident occurred in which I had to file police reports, identify theft affidavits, complaints to the FTC, notified the Inspector General for the United States Postal Service because my mail had been affected, notified the DMV to place a fraud alert on my Identification record, notified the IRS so my file could be alerted, notified the SSA so fraud alerts could be placed on my social security number, notified all XXXX major credit reporting bureaus to place extended fraud alerts on my credit reports and things got so bad that the XXXX Nevada Office of the Attorney General even provided me with an Identity Theft Passport ID due to being a victim of Identity Theft. In addition to all of that information I provided to the lender, I also advised them that the 6 year statue of limitations for the alleged debt had expired being that it was said to have taken place 11 years old, therefore it should n't be on my record anyway. But even with all of that, the lender continues to deny my requests for a loan due to the alleged 11 year old debt.
My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me.
I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue resolved.
Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc.
Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!
About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
XXXX is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXXr is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
I received a call stating my debit card had been locked and the automated call requested my card #, expiration date and # on the back. Half way through the call I realized it was not US Banks normal call when a card is locked and that I was being scammed. I immediately called US Bank and had my card shut off and ordered a new one. I was surprised this morning ( 3 days later ) that the number is still working and the recording says it is the " 24 hour security line '' and asks for the information. I want to pass the phone number along so some one can shut it down. I only answered the call because it came from a city that I have relatives in and I figured it was a call from them. The phone number - out of XXXX, TX is XXXX.
I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this.
LVNV FUNDING EMPLOYEE XXXX XXXX HAS STATED TO ME THAT BY LAW LVNV DOES NOT HAVE TO SUPPLY A STATEMENT ON A DEBT I'AM SUPPOSE TO OWN, NOR DO THEY HAVE TO KEEP IN HOUSE RECORDS. I 'VE ALSO BEEN INFORMED BY LVNV THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE WAS CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND XXXX.
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone
In XXXX XXXX I was 2 months behind on my mortgage. Well Fargo told me that I need to get into a forbearance plan or foreclosure would start. I was prepared to make my XXXX XXXX payment but was told to pay {$310.00} instead for the next year to see if I could improve my financial situation. I was concerned as to what would happen to the debt that accumulated for this year and was told that it would be put at the end of my loan and that I could get a loan modification. I told my home preservation specialist that I would become a substitute teacher and improve my income. At the end of the 12 months of paying {$310.00} was told that I could not pay my normal {$1100.00} and that I needed to pay the balance of {$15000.00}. I was told to apply for a loan modification. After applying for the loan modification I was told that the {$2200.00} that I made from XXXX XXXX and XXXX was not enough for a loan modification. I was never told how much I needed to make, just that I needed to improve my income. I had a foreclosure case scheduled for XXXX XXXX. I did n't have enough money for a lawyer so I wrote the response to the foreclosure complaint myself. I did n't answer the accusations with I deny, instead writing I disagree ( not knowing law language ) and the judge gave Wells Fargo a default judgement against me and allowed the foreclosure of my home.
On XX/XX/XXXX, I logged into my Chase account and saw that all of my personal and small business credit cards were closed. I was given no other explanation than I had too many credit lines open on my credit report and they have the right to close any account at any time if they choose to do so. I asked several Chase representatives to reconsider and I was told many times that the decision was final and there is no possible way to re-open them. I've never missed a payment on any credit card, loan, or even bill payment in my entire life, and my paycheck direct deposit goes to my Chase checking account every 2 weeks. Not to mention I use the business checking/credit cards for everything I do with my business on the side. 

To be treated this way by a bank who I've done lots of business with is despicable, as is their refusal to even consider the expectations of their customers. I also have a hefty amount of rewards points saved up that will now expire in a few days, so I need to use them immediately, rather than save them for when I am actually planning my next trip.
I recently requested an increased credit line from Bank of America to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.
I am updating another claim as it pertains to an error in reporting either by Transunion or by XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX have never had a line-of-credit with XXXX XXXX XXXX XXXX. This was a simple checking and savings account. Therefore, this account is reported erroneously. It is indicated that I had a line-of-credit account opened approximately XX/XX/XXXX and was closed on or about XX/XX/XXXX after paying the balance on XX/XX/XXXX. This is incorrect and the evidence will show that the past dispute with XXXX XXXX XXXX XXXX was for the assessment of overdraft fees by misapplying funds inappropriately. During a period between XX/XX/XXXX-XX/XX/XXXX, my checking account was noted to be spent down despite funds being available ( deposits, wages, etc. ) and the bank would charge overdraft fees and then the available funds. The sequence of deposits and withdrawals were not processed in the manner in which they should have. I will resubmit this to the bank based on the Transunion settlement claim as well as to two or more agencies, specifically the NCUA because I never had a line-of-credit with XXXX XXXX XXXX XXXX and the dispute was over {$300.00} in overdraft fees and statement fees between XX/XX/XXXX-XX/XX/XXXX. This matter is hereby updated to include erroneous reporting by XXXX XXXX XXXX XXXX in regards to an account that I never authorized ( i.e Line-of-Credit ) or was known to have. This information was submitted to the attorney for Transunion per request ( s ) and was further indicated that a release would not be signed by XXXX XXXX XXXX in regards to Transunion reportings on the credit report.
Every week on Thursday, I receive approximately 2-4 calls from XXXX XXXX   XXXX. I have told them three times I am not who they are looking for and don't know how they have received my number. They claimed all three times that they have submitted a form into their system, stating the number is not the correct number. When they call, it is while I am in the middle of a shift at work, and I now have to silence my cell phone to ensure I don't get into any trouble with my employer. This affects me because if my fiance has a medical emergency or something happens to one of my family members, I am unable to hear the call.
Law offices of Howard Lee Schiff sent me a letter stating I owed XXXX 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of Howard Lee Schiff and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
Hello, first of all, I 'm very grateful to have you guys as a resource for these types of problems. Thank you! 

On XXXX XXXX, 2017, I sent a Wire Transfer in the amount of {$1000.00} USD from my XXXX XXXX XXXX Account to Coinbase , Inc through XXXX XXXX XXXX. The Wire Federal ID # is XXXX Coinbase emailed me the same day stating " You recently sent a wire to your account for {$1000.00} USD,  unfortunately, we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. '' It 's been 2 weeks and my bank has not received any money back and they confirmed that the money has been wire transferred out successfully to Coinbase. I have emailed Coinbase 5 times, and I just get automated responses with no solutions. I have nobody to reach in their company.
Can you please help me? 

Thank you! 
XXXX XXXX
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003
I was called by my step daughters boyfriend. He said Proffesional Debt Mediation called him asking about me and wanted information. This person was called on his private cell phone and is not related to me. they called XXXX/XXXX/2016 @ XXXX. This is not a Company I am doing business with. They Contacted me in reference to a debt from XXXX XXXX that I am disputing. I never signed a contract with XXXX and I told the salesperson I was unable to pay the co-pay because I was laid off and my husband is a XXXX. They installed the roof and the original bill ballooned from {$1700.00} to {$3800.00}. XXXX representatives were verbally abusive and actually frightened me to the point I would n't leave my home. To have a collection company calling acquaintances is also frightening and an invasion of privacy. I never signed a contract with XXXX. The salesman had my husband sign my name. My husband is not the owner of my home it was purchased prior to our marriage and with his physical condition. He believed he was signing an estimate not a contract. The signature was acquired outside on top of a car.
I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.
Collection account on my credit report for debt to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX both at XXXX XXXX XXXX, XXXX and XXXX, totaling {$870.00}. Per XXXX in billing at this medical, we have a XXXX balance. XXXX 's phone number is XXXX
XXXX XXXX XXXX XXXX is reporting to Experian as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my XXXX, and XXXX XXXX