WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.
I am a co-signer on my son 's student loan. When Navient took it over, they forced us into monthly payments that we absolutely can not afford. My husband had a serious accident 2 years ago and is not back to his regular job yet. We are overdrawn every month and are paying huge overdraft fees every month. They used intimidating tactics and we felt that we had no choice but to go along with their payment plan, even tho it 's putting us in a hole deeper and deeper every month!
An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response
XX/XX/2015 my daughter contacted XXXX to inquire about pricing about a flight to florida. Unknowingly when my daughter gave my credit card number XXXX considers that booking a flight. I disbuted the charge with Citi Bank they denied me stating I book the flight via internet and I read and understood the rules. Which was false. I called and stated This was a phone call and my daughter was on the phone and she is not an authorized user on my account and I should not be charged for an inquiry only. I contacted XXXX explained the situation they apologized for there agents mistake and explained it is company policy that they DO NOT give cash refunds they give flight credit vouchers. Which they did for the full amount of $ XXXX.on XX/XX/2015. I called Citibank and showed them the documentations and they still would not refund me. I then stated I would like to take this to court and let a XXXX make the final decision which they agreed to do. I also stated I am going make an advance payment of {$2900.00} which would leave only the {$120.00} balance in question. They agreed. Time went by I had forgotten about this until I applied for a car loan. To find out the Citi bank had destroyed my credit because i had not made any payments for 6 mo on the credit card. This is after making an agreement with me to let a court make the final decsssion and excepting a payment of {$2900.00} in advance so there would be no problem with a late payment. 
This is outright wrong to do to me after making an agreement with me also i could have made monthly payments at no cost to me because i had interest free for 18 mo. 
XXXX XXXX XXXX is aware of this matter.
The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.
Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.
TD Banks also referred to as XXXX XXXX for XXXX XXXX  : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 
2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind.

3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees.

4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 
5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.
Hi, American Education Services failed to send me bills by any method, email, postal mail or calling. In the mean time they created a serious delinquency, it 's negatively effected my credit. I 've tried to resolve this with the company. I 'm more than willing to pay the monthly amount regularly, but I need to know how much to pay and when. 

It 's unfair to charge me without a bill and then expect me to pay over {$300.00}. The company agreed that there was a fault on their end but only forgave a partial amount, now they are sending notices that request me to pay " if I 'm delinquent ''. They 've also been harassing me with collection calls at all hours. On top of that, I keep getting locked out of American Education Services website, so I 'm completely unable to view anything when that happens. Customer service is unbelievable, every single person you talk to has a different story. 

This is the only loan servicer I 've had a problem with, I 've paid one off and the other one I 've contacted twice in the life of the loan. AES I 've contacted too many times and nothing ever get 's fixed. It 's insane for me to call in request my access to be unlocked, then still be locked out. Questions about my loan or bills, they claim to have them fixed in 2 weeks. What world does AES operate in? 2 weeks? meanwhile my credit is seriously being effected. Accounts with XXXX balance are being closed, and I 'm sure I will run into issues in the future. 

I just want to be able to pay my loan, I want a bill monthly in some form and I want access all the time to my account. I believe that 's the law and I 'm willing to pursue this as far as I have to until it 's resolved. This is important and I 'd like to repay my debt, this is not an option AES is giving me.
I have a credit from chase@XXXX limit issued from XXXX to XXXX. went to use card but card was expried, with out me being aware of it. chase knowing about this did not send me a knewn card. made all my payments on time. talk WITH DIFFERRNT MANGERs .They ask me could they do anthigng for for me. I told them to to give an increase XXXX to XXXX XXXX. everytime I talk with a different manger they would pull my credit. denied me increase, to a good paying consumer.
Charges dont add up. Some bills say More some bills say less. This company didnt allow me the opportunity to pay they just ripped the car away from me knowing I got sick with XXXX treatment and other medical and mental health I offered to pay what I can I could no longer work at the time and when I communicated they didnt care. The guy told me Im sorry but Im not the one thats sick no offense so I hung up the phone. How can this statement not be offensive. I have too many issues to deal with this unfair treatment check voice recordings arent all calls recorded? They are liars.
I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.
I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.
Hello, I recieved a prepaid visa card in the amount of {$50.00} in late 2016. I tried to use it today only to find out that the company has been charging an " inactivity fee '' of {$2.00} per month. 

The balance on this {$50.00} gift card is now {$18.00} simply because I haven't used it. 

I looked into state law where I reside, Colorado, and found that such fees are unlawful. 

See : XXXX XXXX XXXX I called the company, XXXX ( a subsidiary of US Bank ) , and they informed me that their computers show that gift card balances in Colorado are able to be charged fees. 

The employee I spoke to who said this is : XXXX, ID # XXXX XXXX XXXX This is a clear violation of not only the law, but morality. The money is trivial, but the principle upon which they're pilfering from innocent people is sickening ... 

There was no apology, only circular logic read from a script as to why the fees where charged.
I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none.
On  XXXX / XXXX / 2011  I paid off  XXXX   XXXX   XXXX  Bank {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered  XXXX   XXXX   XXXX  Bank had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.
I had XXXX SallieMae loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to SallieMae, and XXXX was later turned over to XXXX. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both SallieMae and XXXX. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with SallieMae. The same thing happened with the XXXX loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
On XX/XX/XXXX I was offered 0 % APR for 12 months and a 3 % fee on balance transfers, which promo was ending onXX/XX/XXXX, so I transferred most of my credit cards that high interest including XXXX card. Now my XXXX bill cycle generated and now it 's charging me almost {$50.00} of interest, so I called them up and ask them why is there an interest it should be no interest at all. They said because XXXX is not part of that deal. They asked how did I do the balance transfer, did I talk to someone or did I transfer it online myself, so I said I did it myself, so now they 're claiming well it 's not part of The 0 %, so I explain I did try to call them but every time I called them but its always more than half an hour wait or hard to get through someone, so after talking to this lady she put me through her supervisor and she said that no there 's nothing we can do, or the only thing you can probably do is you can call XXXX and tell them to put it back on that account, then put it back on our account ( XXXX XXXX ) but there 's no guarantee that you 'll get this 0 % again, so What 's the point of even trying that, she 's no help, so when I said I need to speak with someone that 's higher than you she said there is no one else higher than her and she is a supervisor. That she is the Senior Acct Supv named XXXX # XXXX. I still have the email that shows that offer.
Navy Federal Credit Union falsely threatened legal actions, falsely threatened to to contact my commanding officer, misrepresented credit consequences of falling behind on my loans, and illegally froze my accounts from XX/XX/XXXX - XX/XX/XXXX. The CFPB ordered them to pay the members for Improper Debt Collection. This is my second complaint because I made a mistake and put the routing number and not my account number.
I wrote Transunion in XXXX and they never wrote me back. I am attaching what I sent.
My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.
We have been working with Ocwen Ombudsman Office since XXXX. I have submitted to home modification requests, both times they say they never received them. I have asked them for a reinstatement amount owed. They refuse to give this to me. We basically have no information to go on and they have no interest in helping us resolve this. We called our state Florida regulatory agency and they told us Ocwen is the worst to work with and they face many legal challenges. They said that they may not even want to work out even taking they payments from us, that's why they refuse to give us a reinstatement amount. They say they have been under scrutiny for some time and it's easier for them if I just go away. I don't want to lose the house. I just want to know how much is owed, we may be able to pay it today. I want to have a chance to modify. I asked Ocwen if they are unwilling to modify what else are my options, they said we will foreclose on your house we do thousands a day. This isn't fair. I just want a fair resolution and them to actually do something honest. I may be asking for to much. What other options do I have to force them to comply with the law.
TO : CITI CARDS, XXXX XXXX, XXXX XXXX, XXXX XXXX BY FAX : XXXX XXXX PAGES FROM : XXXX XXXX, XXXX XXXX XXXX, APT XXXX, XXXX, XXXX XXXX XXXX : ACCT. # XXXX GENTLEMEN : AFTER MANY YEARS OF DOING BUSINESS WITH YOU ON MY SUBJECT ACCOUNT, YOU HAVE BECOME IMPOSSIBLE TO FOR ME TO DO BUSINESS WITH. YOU HAVE CONTINUED TO MAKE LIFE DIFFICULT FOR ME BY YOUR LACK OF RESPONSIBILITY IN DOING THINGS ON A TIMELY BASIS. AS A RESULT IF THE MATTERS LISTED BELOW ARE NOT RESOLVED BY XXXX, I WILL FILE A FORMAL COMPLAINT WITH THE CFPB. 
THE MATTERS TO BE CLARIFIED ARE LISTED BELOW : 1. ON XX/XX/17 I RECEIVED 2 CHARGES, EACH FOR {$99.00}. THEY WERE FROM XXXX XXXX XXXX, & XXXX XXXX. I DISPUTED BOTH OF THE CHARGES, INFORMING YOU THAT I DID NOT ORDER EITHER GOODS OR SERVICES FROM THESE PARTIES. THE CHARGE WAS CANCELLED SUBSEQUENTLY. AS A RESULT OF THESE FALSE UNAUTHORIZED CHARGES, MY OLD CREDIT CARD, ENDING IN XXXX WAS CANCELLED, & THE NEW ACCOUNT CARD WAS ISSUED. ON XX/XX/17 THIS MESS AGAIN RAISED ITS UGLY HEAD WHEN I RECEIVED A FORM TO FILL OUT, SWEARING THAT I HAD NEVER AUTHORIZED THE CHARGES. YOU ACKNOWLEDGED THE STATEMENT IN AN EMAIL TO ME. HOWEVER YOU FINALLY PUT THE CHARGES BACK ON MY CREDIT CARD, WHICH I PAYED BUT DID SO ONLY BECAUSE YOU FAILED TO CONTACT THE SUPPLIERS ON A TIMELY BASIS. YOUR NEGLIGENCE COST ME ALMOST {$200.00}. 

2. ON XXXX I FAXED YOU THE FROLLOWING : I AM HEREBY CANCELLING MY REFERENCED CREDIT CARD. I FIND THAT OUR LONG TERM RELATIONSHIP NO LONGER WORKS. YOU WERE FOR MANY YEARS AN EXCELLENT COMPANY WITH WHICH TO DO BUSINESS. I NO LONGER FIND THAT TO BE TRUE. 

3. ON XXXX, I FAXED YOU THE FACT THAT YOU HAD NOT CANCELLED MY CREDIT CARD AS REQUESTED ON XX/XX/17 AND AS A RESSULT A CHARGE WAS PUT ONTO MY ACCOUNT, WHICH SHOULD NOT HAVE BEEN HONORED, SINCE MY ACCOUNT WAS REQUESTED TO BE CLOSED ON XX/XX/17. YOU IGNORED ME, AND INSIST THAT I PAY A BILL FOR A CHARGE OF {$14.00}, WHICH SHOULD NOT HAVE BEEN ACCEPTED ON A CLOSED CREDIT CARD. I AM NOW REQUESTING AGAIN THAT YOU REMOVE THIS ILLEGAL CHARGE. 

XXXX. I HAVE EARNED A CREDIT OF {$41.00} ON MY ACCOUNT, PRIOR TO CANCELLATION OF THE ACCOUNT. I REQUESTED THAT AMOUNT BE PAID TO ME AS I HAD EARNED THE {$41.00}. YOU REFUSE TO DO SO! 

I DO NOT FIND THAT YOU HAVE DONE BUSINESS WITH ME ON A PROFESSIONAL AND TIMELY BASIS, AND THIS WILL BE MY LAST ATTEMPT TO HAVE YOU CORRECT THE MATTERS BEFORE I TAKE FURTHER ACTION AS LISTED ABOVE. 

XXXX XXXX XX/XX/17
I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.
I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
My husband and I have totally depleted our financial resources and can no longer make our house payments. We are in our mid XXXX, I am retired, he needs to. We did some amateur research and decided to investigate possibility of " Deed in Lieu of Foreclosure ''. Our house payments have been going to Bank Of America so that was our first call on XXXX XXXX, 2017. We endured XXXX transfers to differing individuals, all of whom wanted to talk about re-finance options. Since we can not even afford utilities we can not stay in this house. We explained that to each person and each responded with " I can not help you with that. May I transfer you to ____ who can give you that info? '' The third person was more determined to sell us on refinance but finally got the message and said we needed to talk to our Investor about that as BOA is just the debt collector. She then told us she could not tell us who the investor is by phone, fax, email, but only by post mail. The total time spent on that phone call was 35mins. Ten days later, we received that information, by which time we had already missed 2nd mortgage payment. 
Yesterday ( XXXX ) when mail came we contacted XXXX XXXX Their immediate response to our story was they could not help us with that, and we needed to talk to bank. HELP! 
We patiently explained all that had transpired by phone and mail, and they finally agreed to Mail us the forms to make application for loan review. Will this process now continue to use up time until we have missed too many payments and foreclosure becomes automatic?