WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX, I noticed that one of my loans could fully be paid off with my then-current paycheck. That month, instead of paying the minimum amount for each loan, I paid one of the loans back in full, while paying the minimum amount due on the others. The month after that, the payment amount due for that specific loan showed up in parentheses. I did n't know what the parenthetical meant. I assumed that it meant I had overpaid by that amount and that it was due to me as credit. The next month, I was still unsure about the loan amount in parentheses, so I just used the option to pay the minimum amount due on all of my loans. I noticed that this increased the amount in parentheses. So I stopped paying that loan all together. In XX/XX/XXXX, I checked in to my FedLoan account to see the amount due for XX/XX/XXXX. I stated an amount of XXXX. I had been paying back my loans on time and I also had applied for some financial hardship deferment earlier this year, but I was n't sure if that had gone through since some months showed an amount due and other months showed {$0.00} due. But in any case, it stated that I owed {$0.00} for XX/XX/XXXX. A few days after this date, I double checked my account and this time it said that my payment was 6 days late and that I was in delinquency. When I called Fedloan Servicing to inquire about this, I was met by one of their employees, XXXX. I did n't write down his employee ID number because I did n't think I 'd need it. When I explained my situation to XXXX, he was incredibly unhelpful. I repeatedly told him that I was seeing an amount due in a parenthetical, but he kept telling me that since he was n't seeing that on his screen that I was wrong. It was like talking to a wall. I respectfully told him that there must be a glitch in the system because I am seeing the parentheses. He simply said that he was n't seeing it so it must not be true. At this point, I asked him to redirect me to his supervisor. He became silent. I then politely asked for his employee ID number again. He ignored this request and told me that he would direct me to his supervisor. When I asked him again for his employee ID number he became completely silent. He then put me on hold saying that he was directing me to his supervisor. Now, I had called them around XXXX EST. Their hours are until XXXX EST. XXXX put me on hold just long enough until it became XXXX EST then promptly hung up the phone. I apologize my situation sounds so convoluted. To be honest, I am confused as well. But I think that is just a reflection of the way FedLoan Servicing is handling my loans and its repayment. I make payments on my loans on time and have been a good client. They are using confusing symbols on their page with no explanation and posting false amount dues on their page, thereby forcing clients such as myself to go into delinquency. This is affecting my credit score and I do n't know how to solve the issue. Please let me know if I can clarify this more. I am happy to work with you to resolve the matter.
i have have a house in XXXX and my morgage company is ditech.ditech claims i did not pay the XX/XX/XXXX mortage payment of XXXX i sent them several times proof that i did a ) email attachment my back account with date,XX/XX/2016, who withdrew the chech, ditch. 
b ) faxed the same as above, thru wells fargo representative : bank statement and check and who cashed the check : ditech. 
they response : supervisor reviewing issue.but not actually doing anything
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXX  Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due  Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
My payment was {$540.00} a month was never late not once. I would go online and always make my payment for {$540.00}. Then out of no where BB & T said I didnt have insurance which I have had for 4 years.. Then add {$30.00} a month to the loan and I made my payment online it said {$540.00} due not XXXX.. long story short they called me 2 months later saying I was late by {$60.00} ... How did this even make sense?? I have 5 car autos and never been late Now im trying to get a house for my family and I cant over this.. Lawyer is involved also!! Please fix this thank you
On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve the issue.
Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.
Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.
. For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel.
RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.
I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
I have been receiving incorrect statements from Bayview since XX/XX/XXXX. I have emailed XXXX XXXX requesting corrected statements and she emailed XXXX XXXX apologizing that she had not replied and that she would look into it but I have not received a reply to my emails nor a corrected statement. 

Bayview has sent incorrect statements before but they have researched them and corrected them in a timely matter. This time it's been months. I have had to file a government complaint before. 

I am demanding in writing that Bayview corrects the statement. I have always paid extra each month and I pay at the end of each month. The statement should reflect that my account is current with XX/XX/XXXX payment owed. I send all payments overnight with tracking like I do all payments. XXXX payment will be mailed XX/XX/XXXX. I requested via email to XXXX XXXX to please notate the account.
Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.
I signed a interest only payment for my private loans. I have steadily paged off my loans for 5 to 6 years and my balance has not dropped. I signed a interest only at 12.5 percent and now after 6 months it is up to 14.5 percent. My credit score is higher than it was when I signed the Interest only payments. But they have refused to offer me any other solution to lowering my parents which is XXXX not including my 6 other federal loans. They have only offered me interest only payments and they will not help lower my payments. Federal loans I have gone into income driven payments which has helped tremendously. I have save 200 dollars this way. A month between 5 other loans. 

I have had bad advice from this company. Early 2000s they had told me to stop paying my payments for 2 months andthe and they will have to offer me a reduced payment plan. Did that and nothing happened. I have been out of school for 11 years and 14 from  my.other school. I have yet to make a dent in the loan. I took out a private federal lone of XXXX and now it is up to over 30k. O have ran out of forbearance for my private loans and struggling to may other payments since this is my main loan confer to pay off. 

When in school my interest rate was set at 19 % my interest did drop to 6 but then jumped up again once I was making headway to paying off the loan. I am exhausting my funds and I am paying close to 800 dollars a month in student loans and I make close to 40k a year. 

I need some type of relief.
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in data security, they allowed a data breach to occur in XX/XX/XXXX and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I reported my card lost or stolen and had a replacement ordered in early XXXX and was told to allow 2 weeks for the replacement to arrive. When no card arrived, I called to follow-up only to be told that they had forgotten to order it. I spoke to supervisor XXXX with employee id XXXX and was advised that he was special expediting a replacement and we would have it in hand in 1 to 2 days. 
After allowing for 1 day for them to process, and the 2 days for it to get to me, I then followed up to be told I should receive it by Monday ( 3  days later than promised. ) I again asked to speak with a supervisor and was then hung up on. I called back and asked to speak to a supervisor again and finally was given XXXX, id XXXX. Eventually she provided a tracking number and stated it was shipped XXXX priority overnight and we should have it in a few days. When asked to speak to her supervisor she refused. 
Upon checking the tracking number it showed it was ready for pickup by XXXX and that it had been scheduled that day. It had not even been picked up. 
Company provided pay card because that is how they pay now and XXXX kept me from my money for 3 weeks and has still not delivered my card.
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
I have a number of store cards ( i.e. Lowes, XXXX ) which are issued by XXXX XXXX. XXXX XXXX keeps decreasing my credit limits each month on these cards and each time they do this lowers my credit score. 

In Synchrony 's letter it states card balance too high as one of the reasons for lowing the limit in essence they are creating this situation to happen. 

In addition, Synchrony also reports the lowing to the credit bureaus 30 days before I receive a letter from them. 

Their business practices are disgusting.
On XX/XX/2018 a letter was sent to verify the debt. XXXX XXXX XXXX never sent me any documentation verifying that the debt was mine. I do not recall this debt.
My credit report list XXXX of my employment is the XXXX.i have never worked for the XXXX.my ex husband worked for the XXXX.
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. EXPERIAN continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the XXXX XXXX XXXX XXXX reports to the contrary. They have a complete absolute mess!!!!!
I have been writing Simon 's Agency again and again requesting validation of an alleged debt which was being reported on 2 of my credit reports. For months and months, they have responded with incomplete information and have, to this day, been unable to validate the alleged debt. The only information they have given is that he alleged debt originated from " XXXX XXXX XXXX ''. The inaccurate account has since been removed from my XXXX credit report due to their inability to validate the account. However they are still falsely reporting this information on my XXXX report.
I was forced to join XXXX XXXX XXXX and required to pay {$14.00} for credit reports which were never delivered. I was told I had to Pay a fee of {$100.00} monthly if I did not cancel within 2 days. I was to receive a phone call this morning to discuss my program which I never requested, and the firm never returned my call. I sent 2 emails, made 3 attempts to contact the company. after the 2nd attempt. I was connected and then they disconnected the call. On the 3rd phone call I finally talked to a Paralegal named XXXX. after 1 hour they finally agree to cancel my service..

This company uses unethical tactics t join their company and they should be warned not to use such unethical tactics to obtain clients.
I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.
I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.
This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.