WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to lower my monthly payments for years and they kept giving me the runaround and nothing ever changed. I had to take off my automatic payments because my interest was so high. Ever since then they keep billing me every couple of weeks wanting me to pay again. I simply just wanted to pay my loans off at an affordable rate. I currently do n't make enough money to pay what they expect and yet my plan has remained the same. They say they are here to help but they are just sucking more money out of us and punishing us for getting a college degree.
I had XXXX chase credit cards that I paid on time for years and then I had a XXXX incident that caused me to lose my income for 21 months and then only received a fraction of my pay from an insurance policy due to my XXXX leaving me totally XXXX. I was unable to pay chase per our agreement and the account became charged off. I received a letter and a XXXX from chase in 2014 saying my account was written off and I paid taxes on the amount owed per the XXXX. Chase also reduced its tax liability by counting my account as a bad debt and saved paying Corp income tax on the amount I owed them. My problem is that chase still reports every month to all XXXX credit angencys that I owe them money that is not true and my credit score is being reduced by XXXX XXXX points due to this vindictive policy. I am unable to buy a house, send my daughter to college or buy a car due to this reporting of a settled debt as not settled and currently late which is not true. I called chase offering to give them money if they would correct there error and they refused my offer and said even if I paid that they would not reverse the XXXX. I believe that would be a violation of tax law. Any help you can provide would be helpful.
i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please
i was affected by trans-union taking inquiries off my credit report and not notifying me properly and would like to have them removed.
Vitek Loan 1. Loan originator told me my house may worth more than XXXX and asked me if I am interested to refinance. 
2. After quick research, I learned that conservative estimate of my house will be about XXXX. 
3. I asked the loan officer if it is possible to remove PMI if the refinance does n't go through. And he confirmed. 
4. Paid appraisal fee and the appraised value came about XXXX. as I expected. 
5. Since the refinancing did n't go through, I requested PMI removal. 
6. Vitek denied my request even though LTV ratio is XXXX %. Claiming that it should be XXXX %.
XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
On XXXX/XXXX/XXXX, somebody went to XXXX a made a purchase of {$170000.00} under my account. I was at home when I notified that somebody was probably using my account and I was very surprised because I had my debit card with me on this day, so I ran to the bank to explain that to them and I placed a claim for that. They asked me some questions that I answered and we called the claim department of Bank of America to confirm the claim. After that they have changed my debit card and everything and the next day I received a temporary credit of {$170000.00} on my account and they said they will continue the verification. Today, the XXXX/XXXX/XXXX I get home and I was verifying my account because I was supposed to receive money from my friend I saw that the bank took the money back from my account and they put my account at - {$170000.00} but my friend didnt know that so when he sent me the {$200.00} they took it as usual so my account is now at - {$150000.00}. I was chocked so I called the claim department again and they said the claim has been denied by the bank and I have to call XXXX and XXXX has to give me the money back. The problem is that I didnt know all this time that I had to call XXXX to give me the money back because the bank said to me that they will do their research and let me know about the final decision which has not been received. The conclusion is that my money is not in security in this bank and secondly they are not even capable to give me the money back and investigate on it. I have to do it by myself. Thats a shame
I was traveling over the holidays and my sister was hospitalized with an emergency. I had a friend send me my bills so I could pay them long distance. I sent, from my " pay bills '' account with my bank, a check for {$3800.00} to the WRONG account. It was a different XXXX XXXX card than the one I should have paid. In fact, the money went to an account that had been closed. I did n't realize the mistake until I got a notice from the correct account that my payment had n't been received. I contacted the Citibank Advantage card company which I 'd incorrectly paid. They 'd accepted the check. After several calls they finally saw what was going on, then credited my active account rather than returning my money. It took another couple of calls to convince them I needed the money back, not a credit in an account that I seldom use. After several more calls I still do n't have my money, they claim the long delay is due to " policy. ''
On XXXX XXXX, 2016, my husband and I were informed by a leasing agent in XXXX XXXX that incorrect information CoreLogic provided to the owners of the complex resulted in the rejection of our rental application. The cost of this application was {$250.00}. 
CoreLogic falsely disseminated information stating that I have XXXX XXXX XXXX XXXX criminal charges/convictions against me, according to the leasing agent and their consumer relations ' employee. This is completely incorrect. Nothing other than a negligent failure to perform due diligence on the veracity of the information being provided to consumers ' current and potential employers, creditors, landlords and others can explain such incorrect information. 

I encourage -- nay, urge -- you to begin immediate investigation of this company to ensure it is n't ruining others ' lives.
Chase Bank charged interest on my XXXX XXXX, XXXX statement. My starting balance for this period was {$3000.00}, my payments made during this duration totaled {$3100.00} for a payment that was in excess of the starting balance. I was charged interest of {$30.00} on XXXX XXXX for the statement period in which I paid over and above my balance. 

I contacted Chase on this matter and was told that they practice " Two Cycle Billing '' by XXXX different agents ( XXXX & XXXX ). I explained to them that there was already an interest charge on the prior statement for the ~ {$100.00} shortage in payment on my end but that I had paid in full for this statement period. XXXX agents proceeded to describe their double cycle billing and informed me that this was Chase ' policy to charge interest for two billing cycles when there is a month in which the entire balance is unpaid. They described this as a " loss of grace period ''. 
Per my reading of the CARD Act of XXXX, this is prohibited ( FTC link to CARD Act below ). I spoke with a manager ( XXXX ) at Chase and informed him of the provisions in the CARD Act prohibiting Double Cycle Billing, he silently agreed and promptly removed the interest charge from my account. 

Link to CARD Act : XXXX
I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
I have been a customer of the Capital One Union Plus card since XX/XX/XXXX. Since I opened this card, I have submitted all payments through autopayment directly from my bank account and have not had any late payments. 

In XX/XX/XXXX, I was notified by XXXX that my credit score had dropped significantly by 69 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called Capital One customer service and they mentioned that they had done a system upgrade on their website and that the autopayment did not carry over which caused a late payment and a reporting to the credit bureau. I was asked to re-enroll on the new website and reset up the autopayment. 

I do not recall receiving notification of the system upgrade and the need to enroll to reset my information. I just checked the website on https : //unionplus.capitalone.com/ and it states that customers should reenroll to access their accounts, but specifically states that " Payment settings will transfer.Your existing AutoPay information will carry over to the new website. '' This clearly did not happen. I told the customer service agent that I did not receive this information and requested to remove the late payment from my credit report since it was due to a system upgrade that didnt transfer my autopayment details, but they told me that that would not be possible. 

I have been working very hard to build my credit score back up and the 69 point drop seriously impacts my ability to access credit and improve my financial situation.
We submitted request to be reviewed for repayment plan on XXXX/XXXX/2015 and supplied additional information on XXXX/XXXX/2015 and again opun request on XXXX/XXXX/2015 at that point package was complete and under review. Then on XXXX/XXXX/2015 I was served a foreclosure summons and complaint while I was under review for repayment plan and had not received a decision yet on that. I was under the understanding that my review would be complete first before they proceeded with the foreclosure. It appears they were dual tracking my case.
I have contacted XXXX, TransUnion and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.
I opened a Citi bank priority checking account on XX/XX/XXXX and funded with {$50000.00} in order meet a promotion to receive XXXX   bonus points. I opened the account at the XXXX XXXX XXXX branch with a banker. The promotion required that the account be funded with {$50000.00} have 2 consecutive direct deposits within 60 days of opening the account. My first direct deposit was completed on XX/XX/XXXX and I did not remove my direct deposit from this account since. If I completed the activities stated above I would receive XXXX  points.

I spoke to my banker that opened my account in XX/XX/XXXX to find out the status of my points since I have not yet received. He said that I should be receiving them soon. I then waited until XX/XX/XXXX to follow up with my banker and he did not respond. I emailed him again on XX/XX/XXXX. He then responded and said he would look into it. I received to response. I then emailed him again onXX/XX/XXXX and I did not receive a response. I decided to then call Citi customer service since my banker was not responsive. They said they would complete an investigation and get back to me ( reference # XXXX ). I then received a letter with investigation results on XX/XX/XXXX. The results said that I did not complete 2 consecutive direct deposits within 60 days. I checked my account and I in fact had 2 consecutive direct deposits within 60 days of opening the account on XX/XX/XXXX. The first being on XX/XX/XXXX and the next deposit was on XX/XX/XXXX. I then called to discuss these inaccurate findings. I was transferred to multiple parties and no one was able to help. I finally came across a customer service representative that was willing to help. He said agreed that I completed the required actions to receive the bonus points and he had to speak to his manager to have this corrected. He called me to update me on the status and let me know that the issue was not yet resolved and then stopped calling me. Of course, there was no way for me to contact him directly. This issue has still not been resolved and I am exhausted trying to work this out directly with Citi bank.
FEDERAL STUDENT LOANS are on only one credit report ( Equifax ) but has been removed from XXXX and XXXX. Equifax was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and Equifax has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.
Pressler and Pressler is continuing to sue people in new jersey. 
XXXX Plaintiff : XXXX XXXX XXXX XXXX Pressler and Pressler Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like XXXX XXXX XXXX is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and XXXX deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. XXXX has now updated and deleted the outdated information ..XXXX and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter
We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}
On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.
XXXX from XXXX XXXX XXXX XXXX contacted me via a recorded phone call on XX/XX/XXXX about a debt I uncured with Belk. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XX/XX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that SYNCB/BELK has reported that a balance of {$580.00} was written off. I wrote a letter SYNCB/BELK in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XX/XX/XXXX, I was contacted by a Law Firm called XXXX asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XX/XX/XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
I have a collection account from XXXX on XXXX, XXXX and XXXX. One says medical and the other 2 say XXXX XXXX XXXX XXXX XXXX XXXX. This is not mine.
In 2016 I received written correspondence from Navient indicating that my loans ( XXXX ) were eligible for re-organization and consolidation of terma ( or something to that regard ) that was going to lower may payment. Should be noted that i had not requested any such thing nor had i missed any payments in over 5 years at the current rate. When i called Navient to inquire on what was being changed it became clear that they were automatically going to reduce my payments by extending the loan amortization period an additional 10 years. I had to verbally elect out at that time. The automatic and misleading nature of the correspondence was extremely worrisome but thankfully I have the financial expierence to recognize this type of covert and dishonest buainess practices to increase the amount of funds I would have paid over the extended life of the loan.
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity.
I received a garnishment against my social security XXXX from my banking institution, I applied for exempt from the debt due to the only income I have is from social security XXXX and the time frame to collect on the debt is pass the statue of limitation. The attorney initially denied the exempt. I went to court and the judge ruled in my favor that the debt was no longer collectable due to the statue of limitation and also allowed me the exempt on the debt due to my income only being from social security XXXX. The attorney refused to take the garnishment off of my bank account, which is causing me to accruing fees due to the fraudulent attempt of collecting.
I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. 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. Please have this false information removed from my credit report.
SSN AND PERSONAL INFORMATION EXPOSED BY EXPERIAN XXXX CREDIT PULLS EXORTED DATA. MY INFORMATION IS JUST NOT WORKING ANYMORE, DETRIMENTAL FOR MY BUSINESS.