WillisBack/dataset-financial-user-claim huggingface dataset:
I routinely pay my myBestBuy credit card through Citibank in full. Occasionally, I try to make payments in advance of the next billing cycle. This is the only credit card I have ever had that refuses to let me do so, telling me that I 'm not allowed to make any more payments at this time. The ability to send a payment is literally blocked. I just was just charged interest on purchases on XX/XX/XXXX, despite not having financed anything, as far I can tell. It is suspicious that the system keeps clients from making payments. I ca n't even tell if I am going to be subject to finance charges. I want this charge refunded.
This is a case of identity theft. Navient Solutions ( A spin-off of XXXX XXXX XXXX ) is attempting to collect a debt from me that is n't mine. Over the past several years this debt has been reported on my credit report and has been disputed with each Credit agency. Periodically I would receive collection calls from various agencies attempting to collect the debt which in each instant would be higher that the last because of interest. In the past 2 months I have gotten XXXX letter and XXXX calls trying again to get me to pay on this debt. I feel there is no other recourse at this time but to file this complaint and seek legal assistance in this matter.
We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.
They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.
Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX. 

My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?
I 've recently pulled my credit report, because I 'm in the process of purchasing a home. When looking over my credit report, I noticed a debt that I have absolutely no knowledge of. This company is claiming that I owe them {$2600.00}. I have never heard of this company nor do I have a contract with this company. I DEMAND that this company properly validate this debt, bearing a signature stating that I agreed to owing this debt or a signed contract agreement. If this company ca n't provide the proper signed documents to validate this debt then I DEMAND that this debt be REMOVED from my credit reports.
This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???
The situation is rather simple. I am attempting to sync my credit card account with the online service " XXXX   '' ( budgeting software plus a few other features ). The creditor has blocked access to said service due to " security reasons ''. The account, and the information associated with it, is mine to decide who to trust or not trust. I have the right to access my own financial information as I see fit.
On XX/XX/XXXX I discovered a collection account that XXXX XXXX on my credit report on XX/XX/XXXX by  XXXX XXXX XXXX when I took my child to XXXX XXXX in XX/XX/XXXX. I called the collection service and the hospital and dispute the amount of the bill which was {$1500.00} I sent them both documented proof that on the date of service I did had valid and billable insurance when I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under mental health instead of medical servics. she told me this was a hospital XXXX and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. XXXX XXXX  account was taken off of my credit reports within 90 days. yet on XX/XX/XXXX I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance.
Calling me daily as well as my family members, who live in XXXX  and XXXX, they are even calling persons unrelated to me who are affiliates of my family. 
Started XX/XX/2017 Daily my parents, my sisters in XXXX, my brother, my sister in law and mutual friends in common as a family. 

My SSN was compromised in the XXXX Breech. So I trust no one on anything right now. The calls are automated and state a case number XXXX and that legal matters related to my SSN need to be addressed or further legal action will be taken. 

I've tried to research the number and I see some where it's fraud others where it's not. I do not appreciate my elderly parents and siblings being brought into what ever this maybe.
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XX/XX/XXXX.I am  being turned down for lines of credit do to all of these inquiries on my report..
XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and XXXX, XXXX, Equifax saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
XXXX XXXX reported in XX/XX/XXXX 2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -
The account was deleted by XXXX And Transunion because is from XXXX And more the 7 years has passed but the creditor reinstalled them with a different balance. But it is the same account .XXXX
Freedom Mortgage XXXX. XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/XXXX Freedom Mortgage automatically deducted an additional {$870.00} from my checking account BUT the additional withdraw was not applied to my account. They are unaware of any deduction, where it went to, or how to reverse the withdraw.
I lost my house to a fire last year. My Insurance Company disbursed my check and it 's in a escrow account at my financial institution. I am having problems getting timely disbursements and this will cause me to be homeless in the near future when the lease on my rental property expires that is also being paid for by my insurance company, XXXX. My contractors are looking at my mortgage company with disgust, myself included. Ive had all the required paperwork filed for sometime yet I still have to jump hurdles to get any disbursements. This is causing major conflict in the progress of my home rebuild.
In XXXX 2015 I signed up for TransUnion 's credit score service. Unknowingly I was on a 70 day " free '' account which turned to a $ XXXX paid subscription after that trial period. I have unwittingly been paying the subscription without any receipt or notification of my monthly auto-payments. During this time I have NEVER used their services. They increased the subscription amount to $ XXXX without notification as well. I would like a refund for my payments which I never authorized. They total XXXX auto payments from my credit card since XXXX 2015. I am on a fixed income and really can not afford to miss out on this money. I feel like TransUnion has been running a scam to siphon off money from people without acknowledging them doing so.
I have been fighting a fraudulent charge with chase since XX/XX/XXXX and finally after a year of getting the run around and documenting every phone call and transfer to different departments I sent the below letter with still no resolution. 
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXChase Bank Fraud DepartmentXXXX.XXXX XXXX, XXXX XXXXChase Card # closed card XXXX XXXX XXXX XXXX member since XX/XX/XXXXDear Sir or Madam : I am writing to dispute a fraudulent charge of {$5700.00} on my account, and posted on between XX/XX/XXXX-XX/XX/XXXX. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 
I have provoded most of the communications with your bank and some other details. Most importantly is the copy of the forged check with my credit card signature next to it, showing a CLEAR FORGERY! 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX bank states as their defense these following sentences .... 
You confirmed your husband, XXXX XXXX, wrote the check. 
You added XXXX XXXX as an authorized user on the account on XX/XX/XXXX. 
The access check was written on XX/XX/XXXX. 
XXXX XXXX was authorized to write the check. 
Their assessment that he was authorized is completely false! He was NOT authorized to write the check and he WAS NOT AN AUTHORIZED USER UNTIL AFTER IT WAS CASHED! I am a victim of financial abuse and was advised by my divorce attorney to NOT seek action UNTIL the divorce was final and I was away from him. I kept copies of everything while i was in hiding and used a po pox from then on to protect myself from him. This is NOT the only card of mine he forged, there are many and my attorney through the abuse organization I am seeking help with advised me to go this route before utilizing a professional. I repeat Chase bank states XXXX XXXX WAS " AUTHORIZED '' TO USE THIS CHECK. Who gave him authorization? He new my mothers maiden name, the strret I grew up on, my social security number, my first pet and everything he needed to have someone act as me on his behalf AFTER HE FORGED MY NAME. Forgery is a crime punishable by law! Chase bank should be an accompliss to this forgery. If he WAS AUTHORIZED USE WHY DID N'T HE SIGN HIS NAME? 
I was advised by my divorce attorney to keep making payments so that it would not affect my credit. The burden became too much since he was not paying child support I had to eventually stop paying it and worry about my credit after all of this was over. Now my part time job is repairing my credit completely ruined by this man. My credit was excellent until a few years into the marriage he starting stealing from my credit cards and my business checking account. It is your duty to protect me. I need your help!
No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money
I bought a XXXX saturn vue for {$7500.00} from XXXX XXXX in XXXX. By the time I am finished paying for it .it will cost me {$23000.00} The warranty that came with the card XXXX year XXXX mile was not accepted by any dealership for repairs. TD auto finance has given me so much grief, like telling me I have a XXXX day grace period to make my payment and yet they still charge a late fee. Now the car has a blown head gasket and no one will repair it. They all want to put in a new engine at the cost of {$7000.00} and I can at afford to do that and I still owe about {$5000.00} on the car. I am at a loss as to what to do.
In XXXX 2014 I requested a complete history of all payments I have made on my XXXX, now Navient, loans. In particular, I was seeking the same data that is required on credit card statements and mortgage statements, namely " How much interest have I paid over the life of the loans? '' XXXX told me that they do not provide payment history beyond the last XXXX payments. I feel that they must have data on how much they have made over the life of the loan and refuse to disclose that to me.
On XXXX XXXX, Synchrony Bank contacted me via phone to notify me of the due date of a payment. I assured them that I was willing to accept the late fees and would be making a manual payment online through their payment portal on XX/XX/XXXX of {$84.00}. The CSR asked if I would rather not make a payment over the phone that day and I assured the woman that I would complete the payment on XX/XX/XXXX for {$84.00}. I received a letter on XX/XX/XXXX that I had authorized an over-the-phone payment on XX/XX/XXXX and that I had to contact them three days prior ( XX/XX/XXXX, XXXX days before the notification ) if I wanted to stop payment. In addition, I had already made the online payment manually on XX/XX/XXXX as I confirmed with them. 

I called their customer service and they apologized for the error. I asked for them to either refund the wired amount or send a wire to my account for one of the {$84.00} payments to clear up the error. Both the CSR I spoke with and her supervisor assured me " the only option '' was a physical cut check. I asked them why they could not simply wire to a routing number, as this is something I routinely do at my job in accounting, and with multiple banks, and their only explanation was that it " was not an option. '' They eventually agreed to physically mail an expedited check ( for, again, an online payment made overnight, which they received ) which would arrive in 4-5 business days. I informed them that this still jeopardizes my finances as I had made it a priority to completely pay off the remaining balance. As they had the money and I did n't, and they would not budge or provide explanation, I was forced to accept this as the only resolution.
Today I tried to open an account wi th Wells Fargo. I   already have a previous joint account with them. It sent a form back from   XXXX   XXXX   XXXX   not allowing the account to be open. My home was burglarized back  in 2012    and I have been experiencing identity theft since then. The accounts open in my name with wells fargo and other locations they are using the wrong social security number, They are changing the last digit from a  XXXX  to a  XXXX  and its still allowing them to open things in my name.
The Credit Bureaus are reporting information without a copy of my original signature, I have submitted section  609 claim  to all   XXXX   of the Credit Bureaus, which states that the credit bureaus can not report information without a copy of the original signature. They continually fail to removed the items off of my credit report.
National credit systems failed to validate The debt that they say I owe. I have sent them a letter on XXXX XXXX, 2017 for validation of that section 809B fair debt collection practices act and it has been over 30 days and they still have not responded. XXXX XXXX on XXXX XXXX, 2017 excepted The certified mail on behalf of national credit systems. So I have proof that they got the letter but they are refusing to validate the debt within the 30 days and no response from them. Therefore this negativity should be deleted from my credit report XXXX XXXX XXXX. National credit systems is Breaking my right.
I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me
a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.
My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.
I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, Equifax, XXXX, XXXX.
I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.
In an online credit application for XXXX XXXX XXXX   XXXX, which included SIGNED, XXXX XXXX XXXX, PRESIDENT, XXXX XXXX XXXX, US BANK AND XXXX XXXX, CEO, XXXX XXXX XXXX So in the ONLINE APPLICATION, it says ' {$100.00} CASH BACK if you spend {$200.00} in Net Purchases in first 40 days of account approved/opening ... it may take 6-8 weeks to receive {$100.00} Statement Credit '. 
THAT WAS XX/XX/2018 NOW XXXX both XXXX and Supervisor XXXX, 'NEVER HEARD OF IT ' Sorry, Lady, end of dicussion, just nothing, never heard of it. 
Also, the BRAND POINTS PROGRAM IS A LIE AND THE 25CENTS OFF PER GALLON OF GAS FOR A YEAR IS A LIE ... NO ONE IN THE XXXX STORE KNOWS ANYTHING ABOUT A N Y OF THIS ... THEY WON'T EVEN TAKE A PAYMENT ON THE CARD AND SAID TO ME NO ONE ELSE TAKES PAYMENTS EITHER WRONG .... 
XXXX XXXX XXXX I ACTUALLY DO NOT KNOW OF A STORE CARD THAT DOES NOT TAKE A PAYMENT Summarily, this ENTIRE 3 Enducement Offers ARE A LIE AND DO NOT WORK ... AND IGNORANCE OF ANY OF THEM IS AMAZINGLY A B U N D A N T.
I am paying an exit fee of a {$100000.00} just for leaving XXXX University. I am very concerned, for I should not be paying this just to leave. It says that it is to pay off my XXXX Loan, on the XXXX which is also through Navient. I pay {$53.00} every 20 days and now that amount is going to be boosted up to {$120.00} come XXXX XXXX because it 's not after the grace period? which I am not sure what that completely means. I have talked to them about this but they have n't fully explained. They just change the subject and do n't actually answer the questions I ask. I just recently started paying off my students loans of {$340.00} a month. I do n't think I should be paying an exit for leaving school.