WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!
I signed up for a promotional offer with Santander Bank to get {$350.00} for opening a Simply Right Checking account. I qualified for all their requirements but they are staying that the {$350.00} was only for their Premier Plus Checking account and the Simply Right Checking account was only eligible for {$220.00}. The fine print indicated that the Premier Plus, Simply Right, and Basic Checking accounts were eligible. I have attached the flyer as a reference.
someone pretending to be my daughter filed a claim with chase bank that they were missing money and so chase made a deposit not once but several times to her account. The perpetrator withdrew the money from her account by using an ATM card as well as using a withdrawal slip inside of a branch. Chase is holding me responsible since its a high school account and has transferred my money to offset the negative balance in my daughter 's account. I have called numerous times and so did my daughter to let chase know that we did not make these withdrawals or claims that money was missing. All we wanted to get across was that someone hacked into or stole my daughter 's identity and was stealing from chase. no one would listen to us at chase and they have since severed all relationship with my daughter and myself. I am left with {$0.00} balance just 4 days before XXXX and chase has done nothing to investigate who is responsible for these transactions. I have asked for them to pull the video tapes from the ATMs and branches where these transactions took place. I need for chase to reimburse my money and apologize for their action not to investigate our claims that something was not right with the account.
I am working on an FHA short sale with US Bank - They have not responded to the offer I sent them since XXXX 2015
After bank of America changed online access security ; I attempted to pay my monthly statement online. And, I was not able to access the account online. I called Bank of America to pay the monthly minimum, when the agent informed my social security number did not match what Bank of America had on file. I informed the agent the number I was giving the agent was correct. However, the agent informed he was unable to accept the payment. The agent informed I would need to download a form from the website and send the completed form to Bank of America. I also went to a branch to pay my account. However, I was told the account could not be retrieved with the social security I presented. I completed the recommended forms twice. Currently, Bank of America is assessing the account late fees, over-the-limit fees. This situation has been going on since XX/XX/2017. Now, I am receiving letters from Bank of America threatening to charge off the account. And, Bank of America has submitted negative credit reports to the credit bureaus.
Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.
They have called my work number which is not allowed repeatedly. They never leave a message but my employer does not allow outside calls.
Your case ID is : XXXX My name on my paypal account is XXXX XXXX and this is my paypal account.I am the owner of this account. I have {$420.00} in my balance that I need to get out. I have waited over 180 days for the release of my money as promised. You have no right to hold my monies forever.
Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.
In XXXX 2017, I requested a balance transfer from my XXXX XXXX XXXX to my XXXX XXXX Credit Card ( issued by Comenity Bank ). This was to take advantage of a 0 % interest offer. The XXXX XXXX Credit Card shows the XXXX balance transfer completed. The XXXX XXXX XXXX was never paid, however. I now owe the same XXXX to both companies. I have called both companies - XXXX XXXX says they never received anything from XXXX XXXX. The XXXX XXXX card people said they would look into it, initially they credited it back on the card, then they said they ca n't credit it back because it has already been paid to the other credit card company - but that is not true.
Comenity Capital Bank has filed fraudulent information on my credit report which showed up on XXXX. XXXX has been notified and a dispute filed on XX/XX/XXXX. They reported on XX/XX/XXXX a " new bankruptcy-Comenity Bank/XXXX '' This account was paid on XX/XX/XXXX and included in a bankrupty filing back in XX/XX/XXXX. Upon reviewing my XXXX XXXX report, Comenity 's falsifying information and reporting actions to XXXX resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of XXXX and Comenity.
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.
I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.
I received a notice from Convergent Outsourcing, Inc. XXXX WA claiming XXXX , XXXX records show a balance of {$110.00} due, and seeking payment to Convergent. I checked my XXXX balance online at XXXX, and it shows XXXX due. Looking back to XXXX 2013, XXXX records show I made XXXX purchases using XXXX, and both were paid in full essentially immediately. I believe that Convergent is fraudulently seeking to have individuals make payments to it with spurious claims.
I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX   (   XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  XXXX  which is a violation of the law ). Barclays Bank DE,  XXXX   XXXX  and  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
On XX/XX/XXXX a large sum of money was taken out of my account. The sum of {$4500.00} was deplete from my account. This was done in the California area. I discovered this the next day which was XX/XX/XXXX - I then went to the bank ( Bank of America ) and reported the fraud - the associate helped me to put a claim in. I also reported the fraud to my local police department which is in XXXX XXXX, Florida where I reside. I closed all my old accounts and open new ones with the bank in case my information was still out there. I have sent all the necessary information to Bank of America for the past two months trying to get my money back. I keep getting denial from the bank. They claim I gave some one my pin number which is impossible. I have bank with company for the past twenty plus years - In the past I have tried to withdraw money from my account and was told I have reached my limit withdrawal and then was notified by the bank. I have never been to California and I do not know anyone there. It was puzzling to know that amount could be taken out with a red flag alert to BOA. I am very disturb about the security of my money. Please advice me what other steps to take to get my money. 

Thank you for your consideration on the matter.
I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.
Per Loan Servicer ( LoanCare ) 's instruction on PMI removal, I sent in a check in XXXX which the servicer cashed on XXXX. XXXX, XXXX as the payment for requesting appraisal for the updated home worth. Though promised to have written communication about this in 60 days, I 've not heard a thing from them. <P/>My concern is that it 's not in their interest to remove PMI as they should, so they deliberately cash the check and not doing anything as I pay monthly PMI during the delay. I feel my rights violated and being played by big loan company.
I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
Transunion and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that Transunion and XXXX should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.
See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
You have already helped me with another issue that was cleared up with my existing loan. That was completed back in late XXXX. Thank you for your assistance. At the same time I had also reached out to my current lender for help with a loan modification. After speaking with one of the executives at Chase, XXXX XXXX, about my concerns, she informed me that it shouldn't be an issue and all I would need to do is fill out the appropriate paper work in which she included in her response through you in XXXX. They are well aware of my situation and that I already had my mortgage modified approx. 10 years ago when the market crashed. So that being said, I had sent them all required documents and paper work showing them that my situation had changed again and my income was less than last year. As per their request. I then just received a letter stating that I had only one option to short sell my house and they did not approve another loan modification because I had already received on back in 2010. That was the only reason why I wasn't considered. If I had known this I would have not had applied but no one ever informed me this prior to my efforts. Everyone at Chase was well aware of my situation especially because they had resolved another balloon payment issue from that modification. IS there anything you can do? I don't want to lose my house or have a short sell. I am paying my mortgage and not behind as of now but would appreciate if they would please be more flexible. The only other concern is that although I have my mortgage through Chase but it's owned by XXXX XXXX. 

Please let me know if you could help me again. 

Kind Regards, XXXX XXXX
I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND EXPERIAN DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
2nd Amendment with Additional Dispute with Transunion Unknown and Approved Credit Inquiries to Complaint -- XXXX about TRANSUNION. 

Transunion refused to allow me to dispute the following inquiries as have not applied for any credit with the following companies, banks, loan servicing entities, and I am disputing : 1. XXXX XXXX, Inquiry XX/XX/XXXX, not my request 2. XXXX XXXX XXXX, Inquiry XX/XX/XXXX, not my request 3. XXXX XXXX, inquiry XX/XX/XXXX, not my request 4. Duplicated Transunion Interactive, inquiry three three ( 3 ) on XX/XX/XXXX, not my request 5. Duplicated Transunion Interactive, inquiry three times ( 3 ) on XX/XX/XXXX, not my request 6. XXXX XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request and duplicated 7.XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request 8.   XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my request 9. XXXX XXXX, inquiry XX/XX/XXXX, not my request
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX  ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!
I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.
I have been on an automatic payments schedule with Heartland, XXXX, for a student loan. I pay a small amount quarterly on this student loan, which was not debited last period unbeknownst to me. I was never notified of that my account was late or that my account was taken off of direct debit of scheduled payments which it was on previously. I called into customer service when I saw on my credit report that there was a 30 late notice. I was told by the customer service of that this delinquency will be corrected at the credit bureaus since there is a record that I was supposed to be on a payment schedule and which was removed for an unknown reason. Unfortunately, this correction has not happened as yet.
I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.