WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been paying the minimum amounts on each of my loans, as well as another large sum toward individual loans to pay them off quicker. Despite my aggregate amount of debt being reduced by half, my minimum payment has remained {$500.00}. As a result, a large chunk of that amount has been used toward interest. As a result, I ca n't take the money I 've saved from a lower minimum payment and apply it to the high interest loan I 'm working to pay off first. I 've called Navient 's customer service line and they 've manually updated my minimum payment to a lower amount, describing it as a problem that should be updating each month. Instead, I have to call Navient each month to have the minimum payment lowered to the correct amount it should be.
I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.
A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.
I searched online for a loan a month prior to needing the loan I used an account that I do not have my full paycheck deposited into as I was entering the information online. when it came time to get the loan I went in and reapplied in person I was asked if I wanted to add an account to my contract I said no he then told me they have account information from a online application a month prior I again said no as that isn't even the account I would use when my bill became due they text and it was not what was discussed as I only wanted to make 1 payment a month not 2 the lady was real nice and changed my due date is what she told me I9 made a double payment on the due date we had discussed the following month I again got a text stating my bill was due I again called in and advised I can only do 1 payment a month the man was not as nice I told him I will make a double payment on my second check a few days later I got a over draft from my bank as he put a payment through on a account they should not of had on file and I did not give permission to run I talked to the district manager who has since insured me that the account is now removed but says the only way to recover my nsf fees is walk into the location of the people that she also told me she will reprimand this is causing severe XXXX and my account is getting more and more negative but she wont let me email it to her this is not right when they didn't even have permission in the first place and I called and said no and they just ran it
Hello my name is XXXX XXXX and I started my first credit card account in XX/XX/XXXX of XXXX with XXXX. I have gained my 2nd credit card in XXXX of XXXX with XXXX. I checked my credit report just recently to see my hard inquiries and come to find out there is the XXXX inquiry which is correct but also come to find out there is a hard inquiry that is much older from a bank or institution that I completely don't recognize. This inquiry ( CBNA ) was made ( XX/XX/XXXX ) even past months before I even started my first credit card account with XXXX. I would highly appreciate you helping me removing this unrecognized inquiry from my credit report. Thank you and may you have a great day. 

Creditor Contact Details : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
my student loans were originally thru XXXX XXXX they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, navient, and federal student loan website. XXXX XXXX says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to XXXX XXXX, which they didn't accept for proof of pay off.
This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.
This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call me.
I realized XXXX day after a payment was due that I had not paid my card. I went online to pay the balance and noticed that they had already put a late fee and interest on my account. I always pay the balance due. I called them to see if they would waive the fees and they said they would waive the late fee but not the interest. Although I was not really satisfied I realized I made a mistake and accepted that I had to pay the interest. I paid the balance the day after it was due. I then signed up for autopay to pay the future balances so I would not be late again. My following month was paid then when I received another bill there was interested on the bill again. I called for an explanation and they said that since it was late the XXXX time then the interest charge was automatically placed again. I explained that even if they wanted to claim that, the balance I paid was {$570.00} and the interest being charged for XXXX day was {$10.00}. That would come to 54 % interest. She claimed there was a basic interest charge regardless. I also spoke to her Supervisor and she also refused to budge. I told them that if the {$10.00} was not waived I would cancel the card, which I intend to do after I pay the current balance. I still disagree with their practices and told them I was going to file a complaint.
I sent in a personal check to pay the remaining balance of my loan. I sent it with the following conditions : Cashing this check, you agree to the following : 1 ) Show Paid in Full 2 ) Removing Negative Items from Credit Reports 3 ) Cease collections They cashed the check on XX/XX/18 & failed to report according to our agreement.
On XX/XX/2011 my timeshare membership was included in the Bankruptcy Courts. The membership was with XXXX as shown below. I have been receiving collection notices from Concord that will be affecting my credit scores that I have been trying to improve since 2011. XXXX, even thou I have sent them the paperwork from the courts showing that the membership was included in the bankruptcy, say that the membership was not discharged with the bankruptcy and that I owe the fees and the late fees as well. and that my membership is still valid. 
Thank you in advance for your help with this problem. 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
I have tried to contact Equifax several times regarding this supposed debt and have requested immediate removal do to inaccuracy. I have sent Equifax dispute letters along with receipts that this bill was paid. In my letter I asked that Equifax reinvestigate this third party collection company XXXX. The first letter I sent to Equifax was on XXXX/XXXX/XXXX. In Response, to that letter I sent, I received a letter back from Equifax stating that this debt was verified. How? Equifax has yet to provide me with anyone who they have talked too or any supporting documentation that they actually verified this suppose debt. I paid this bill long before it ever went into a delinquent status. I sent Equifax another letter on XXXX/XXXX/XXXX disagreeing with their decision and in response to that letter Equifax responded stating that the acct will remain on my credit file but will be updated to an paid status. How is that possible? I have provided Equifax with more then enough proof stating the facts about this bill and that it was paid long before XXXX XXXX XXXX got involved so, why should this remain on my credit file?
XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.
I have had a mortgage with PHH mortgage for a little over a year. Yesterday ( XXXX XXXX ) I received a call from the PHH stating that I had not paid my XXXX payment. As a result I had late fees and potential reporting against my credit bureau record. I insisted that I had paid my XXXX payment in XXXX and asked them to please verify. They did find my payment was received on XXXX XXXX ( 12 days before it was due ) and that it has been misapplied. I have spoken with their customer service and with their collection department and neither has taken the late fee off my account or removed the " overdue '' status from my account. PHH mortgage is not taking the appropriate steps to resolve this situation.
The problem is XXXX. Only XXXX. I now have two collections with them and only them. I have filed at least 3 disputes with them in the last few months. They keep saying the accounts are valid despite me sending them paperwork from the companies showing I don't owe anything. I have called the companies many times and they have verified there is no account and I have paperwork which was submitted to XXXX. On the phone, XXXX told me, " it doesn't matter what I send in ''.
this Hard Inquiries comes on my credit report would like it to be removed XXXX XXXX Inquiry : XX/XX/2018 + XXXX Inquiry : XX/XX/2018 - XXXX XXXX, XXXX Inquiry : XX/XX/2018
I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.
XXXX wires were sent from XXXX via XXXX XX/XX/XXXX to my Wells Fargo Bank Account for a total of {$240000.00}. On XX/XX/2016 XXXX wire in the amount of {$48000.00} was deposited to my account, at some point {$44000.00} was returned to originator in XXXX and the other XXXX have no status. The Bank refuses to give me information regarding the status of the XXXX wires, the originator from XXXX says he has not received those XXXX wires.
in XX/XX/2018, XXXX $ I found they take this amount from my account I try to find why this take from my account from the bank
Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.
On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.
My mortgage refinance was turned down due to insufficient documentation. I was told by three different loan officers that the underwriters continue to need more information on my retirement accounts that were in no way connected to my mortgage refinance. I was told the only reason for wanting my annuity information was so that it showed I had at least two months of reserve funding for mortgage payments in case I ran into financial difficulties, but that my annuity is not collateral and not connected to my mortgage refinance. I sent them a current annuity statement and withdrawal statement. This was still not enough as the underwriters wanted an even more detailed withdrawal accounting and even asking to speak with my broker.
I was text on XXXX/XXXX/15 that rush card would be updating there system and me the holder of a rush card should withdrawal funds from my accout before XXXX the early morning because the update would not allow me to access my funds until monday XXXX/XXXX/15 at XXXX, so after XXXX i tried to withdrawal from my account and i was not successful to doing so, so then i tried and tired to contact customer service and when i finally got through i was told that my card has been blocked ( for what reason i do n't know ), next i tried using the card again the next day Tuesday XXXX/XXXX/2015 and it allowed me withdrawal {$20.00} out following that tried to use the online app to see what my balance was and again it toldme that my card was blocked and not activated again i tried and tried to get in contact with rush card and when i did i was either put on hold for an hour or after being on hold the phone call was disconnected ... .so again with another try at the atm ... my card said declind or unauthorized usage ... .i receive direct deposit to this card from my employer and i also had a remaining balance from my last direct deposit which was posted on Tuesday XXXX/XXXX/2015 so i cant see how my card is not activated..i 've been calling all day today and still not able to get through ... .i would greatly appreciate it if you can get to the root of my problem for me or direct me to any other source that can help me get a resolution
I had my identity stolen, and a XXXX credit card for XXXX dollars was open in my name and used. the credit card company took away the card but it is still on my credit report and would like it removed because it was fraud.
I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.
On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity.
In trying to co-sign for my Grandson to get an apt XXXX XXXX XXXX Apartments near XXXX State University in XXXX XXXX XXXX, they were advised by Equifax that someone using my Soc Sec had passed away in XXXX in 1992, also that I had lived in XXXX a city which I 've never been,
I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.
Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.
I have several items on my Transunion and XXXX report the were previously deleted and have since be added to my report again along with inquiries. I am aware that Transunion had a glitch in their system that violated the rights of their consumers under Secion XXXX. As a result my credit score is suffering and I have been gravely effected. No notice was ever given that these previously deleted items or inquiries were being placed on my credit report again and I am requesting that ALL previously deleted inquiries and previously deleted creditors be removed.
I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month! I need a flexible payment plan so I can afford food, gas, tolls and rent, not to mention be able to go to the Dr. once in a while-I have not been to my PCP in over a year. I am requesting to start with a monthly payment of {$250.00} to XXXX a month and then I can increase the amount next year. If my car breaks down, I have no way to fix it and get to work with this large amount they want. They set borrowers up for failure. And on top of that the website mentions nothing about student loan forgiveness, there is no drop down box for that-I am a social worker and have been one for going on 15+ years now. The high amount they want means I can't make consistent payments to qualify for student loan forgiveness! Right now that program only allows you to get your loans forgiven if you make consistent payments for 10 years-another barrier. Please help. Thank you.