WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit Adjusters has appeared on all three of my credit reports as a collection. I have never heard of these people, do not know who they are, have never taken a loan out with them and my credit score has dropped 20 points because of their actions. Please remove them from all three of my credit reports.
XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information
When I applied for the mortgage my bank used a credit report from Equifax. Out of three reports Equifax gave me the lowest score. It resulted in my mortgage interest rate being increased from 4 % to 4.125 %. The report contained the error : there was a credit card listed for which i was not responsible. Note that other agencies did not have that card listed. The complaint was submitted by me and by XXXX ( the issuer of the card ). My complaints were submitted through equifax website. I have also contacted to the manager and they assured me that once investigation is over i will get an email with the result ( we 've agreed on email because it is faster, my mortgage 's closing date is approaching ). I need the official result from equifax to demand my bank to change interest rate on my mortgage. Another problem i have is that Equifax would not allow me to send any information via mail or email. The only way to file a complaint ( as it states on their website ) is over the phone. It is done so that the individual does not have any proofs about the matter.
There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, Experian and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
On an ongoing basis, certain foreign merchants are charging me a 4.99 % markup on a currency exchange service that I am specifically requesting NOT be used. On the receipt, it says that I was offered a choice, but I when I ask the cashier " please do no use the currency conversion service, '' the merchants reply that their credit card machines do not offer the choice, that the markup is required. XXXX and XXXX seem to be in on this scam ( see attached receipts ). I do n't believe that Chase bank is at fault, I think that XXXX and XXXX are scamming both Chase and the consumers.
My XXXX XXXX XXXX Account is being charged without my knowingly authorizing any transactions. I discussed the issue with the vendor and was advised the situation would be corrected ; the correction was process ; however, new charges that were greater then the original charges have been charged to my XXXX XXXX XXXX account.
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
In XX/XX/XXXXand XX/XX/XXXX I took out two federal parent student loans for my son 's education. Each loan was about {$25000.00}. I began making payments immediately at the level Mohela suggested was a minimum payment. I did this for many years. I finally realized the payments were never enough to cover the interest of the loan. Mohela never told me that. When I contacted them, they said I could bring the loan into a re amortized type of situation and make a fixed payment for 15 years and pay the loan off. I recently fond out that none of my new payment was being applied to principal and in fact didn't even cover the interest. 

So now after over 10 years of payments, I owe more than the original loan amount. My payments began at the {$350.00} per month level and increaswed up to over {$550.00} per month but not one penny has been applied to principal. I was very much mislead by Mohela to my determent and their great financial advantage.
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
My wages are being garnished from Performant Recovery. They will not work with me or return phone calls about a payment plan. I have talked to at least 5 different people and they all tell me something different.
In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.
My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXXXXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but Equifax was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by Equifax that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but Equifax wo n't make the change.
On Monday, XX/XX/XXXX I received a letter from the U.S. of America Federal Trade Commission : Notice of Lawsuit against Ameritech, for Deceptive Practices of my government Student Loan that started XX/XX/XXXX, of {$150.00} plus until 6 months later reduced to {$99.00} per month and presently paying for the Student Loan Forgiveness Program. Before Ameritech I was with XXXX,XX/XX/XXXX under the same Student Loan Forgiveness Program with higher payments starting sometime in XX/XX/XXXX after graduating from XXXX XXXX University, XXXX, CA, combine XXXX XXXX XXXX loan, of XX/XX/XXXX under the same program. I made numerous attempts on XX/XX/XXXX to contact Ameritech, the answering is activated and disconnecte after 3 minutes on the line waiting to speak with someone about cancelling my membership and reimbursement for 2 plus of withdrawn from my account confirming on numerous occasions that my payments were we're going towards my Student Loans. My connection with Ameritech was with XXXX. Now this raises question with deception from XXXX. I am willing to be a part of a class action lawsuit
Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.
I 'm a member if navy federal. I have a auto loan with them and last year I was late paying my auto loan and last month also. Well they locked me out of my account online and on their app until Im able to make the payment.
I am a XXXX XXXX who works with XXXX XXXX XXXX XXXX and I do not have money to burn. In order to pay off bills I decided to sell my XXXX XXXX desktop computer on XXXX for {$2200.00}. When a buyer purchased my computer I factory reset it, tested it to ensure it worked perfectly, and shipped it out to him. A week later he informs me via XXXX that he wants a refund as he is saying that it does not work. As I was sure it worked when I shipped it I asked for pictures of the error message as proof that it did not work. ( I have been scammed in a similar way on XXXX  in the past so I was being cautious. ) On XXXX 's resolution center it said that the refund was on hold pending additional documentation from the buyer. 

I recieved an email yesterday XX/XX/19 from XXXX stating that they issued him a full refund and that he did not have to return the PC to me. I called them and asked them how this was possible and they stated that they emailed me a week ago stating that I was to provide him with a return label and refund him the money. I informed them I was watching the resolution center messages and I thought that the issue was pending. After speaking with multiple supervisors I was told that the best they could do was to email the buyer and encourage that he send the computer back to me. I have also emailed him with no response from him, multiple times over the course of this issue. 

I spoke with multiple supervisors at XXXX last night and stated that that this was absolutely unacceptable and that there are ZERO seller protections and that I CAN NOT believe they would do something like this to a seller who has had a perfect rating and has been a seller on XXXX for years!! It would make sense to me that if someone wants a refund they send it to XXXX and hold onto it until the refund is issued and then send it back to the seller and charge them the shipping costs. That is NOT what happened here, they refunded him AND LET HIM KEEP THE {$2200.00} COMPUTER!!! Not only that they charged me the {$220.00} sellers fee on top of it so I'm out almost {$2500.00}. 

I am filing this complaint against PayPal as they are the ones who have pulled over {$2200.00} out of my bank account against my complaints to both them and XXXX about this being fraudulent and a scam. I need the Consumer Finance department to step in and help me advocate to have my funds returned to me as this policy is absolutely unacceptable and fraudulent.
NOTIFIED NAR over the phone I I would be sending first an affadavit letter by certified mail with RETURN receipt and then a followup letter including my police report to show the XXXX account was closed due to fraud. Under federal law I am within my rights to exercise my FCRA and FDCPA rights under the section of the federal Bill of rights and fraud rights of Identity theft under federal law. They sent a letter back violating my rights stating my affidavit was frivolous with a screenshot of a computer image. Now I am requesting for the CFPB to get involved during this dispute process with NAR. For each violation I plan to file a new claim with the CFPB for each occurrence including but not limited to litigation if deemed necessary.
I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. 
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. 
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.
I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back.
The address, XXXX XXXX XXXX XXXX ; XXXX, Alabama XXXX is incorrect. I have never resided at this address.
My problem is with the credit reporting agences, like Equifax, refusing to update my employment status to " XXXX ''. I have been XXXX  for three years now. I am not employed and have not been employed  since XXXX. And have not owned " XXXX XXXX '' since XXXX : Erroneous information still persists on all of my credit reports.
Please assist me in removing addresses that do not or did not belong to me. I have disputed this matter several times with Experian and they have not removed these inaccurate addresses from my credit file. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX
On or about XX/XX/2018 I had a telephone conversation with a representative from USAA savings bank concerning an XXXX XXXX card to inquire as to why they dropped my credit limit from XXXX to XXXX having never been late on payments and having just the previous month paid the account in full. The woman with whom I spoke couldn't have cared less about my concerns and was rude. The next day USAA reports to all 3 credit bureaus that the balance is now nearly {$4000.00} 150 % over my new limit. My balance is XXXX. I called them to ask them what was going on with my account and was told that the credit bureau must have been hacked. I said ALL THREE?! I filed disputes with them and the 3 reporting bureaus. I also filed a complaint with the CFPB as I believe that this was done out of malice. Their response to you was full of lies. They said XXXX XXXX had attempted to contact me, which he did, with one message in the mobile app. I returned his call and left messages and sent him messages on the secure app. He ignored all of them. Today I get a call from someone who states that they are going to investigate. The problem!!?? WHAT?! Their response to the CFPB was that they have corrected the mistake. They are just starting? I wish to press this issue until it is resolved, I would request that the CFPB NOT close this complaint until it is. I also request that your agency investigate the matter as I do not feel it was in error.
I contacted Chase XXXX customer service on XXXX/XXXX/2015 to pay off my credit card. I spoke with supervisor XXXX, she gave me quote of {$1400.00} and I asked her to close my account. I confirmed with her atleast twice about no further payments or charges. She said, this is the only amount I need to pay and the account was closed on XXXX/XXXX/15. I paid the amount in full right away. Today on XXXX/XXXX/2015 I received a new statement with new balance of {$11.00}. I called the customer service and spoke with another supervisor XXXX XXXX. He said, he saw the notes of my previous conversation with XXXX on XXXX/XXXX/2015 and he even confirmed the pay off amount but he said, it could have been a mistake on XXXX 's end or maybe she did n't understand me properly that 's why she gave me wrong quote, which is off by {$11.00}. But I have to pay the {$11.00} because this charge is valid. If the employee ( S ) make a mistake, Chase should take responsibility of their under trained employees instead of making their customers pay for a valid mistake from Chase 's end. I feel like I have been defrauded and scammed by chase and I should not be paying the {$11.00} of charge.
On XXXX XXXX, 2015 I was contacted by RushCard Member Services via email and was notified about changes that were to be made to the system in order to better the service beginning XXXX XXXX, 2015. This was supposed to occur between the hours of XXXX. A short time after XXXX I receive another email stating the changes to be made were taking longer than expected but they 'd have things up and running by XXXX. Closer to XXXX that afternoon ( XXXX XXXX, 2015 ) I try to check my balance on RushCard mobile and Rushcard online it was down. Unbeknownst to me the system was still not working. I then contacted RushCard Member Services and was assured the problem would be fixed with XXXX hours. I then refrained from using my card for the remainder of the day. Today ( XXXX XXXX, 2015 ) At this point I 'm in a panic because my direct deposit is supposed to go through.I try to put money on my bus card using the RushCard, it was declined causing me to panic. Once again, I call RushCard Member Services. After getting hung up on a few times and placed on hold nearly XXXX minutes, I was able to speak to a CSR who then told me there was nothing he could do to rectify the situation. I try to sign into my online account and am unable to do so as well. Today ( XXXX XXXX, 2015 ) I was able to to login to my mobile account but the balance says XXXX dollars. They took the money I did have and my direct deposit was supposed to go through XXXX. I still have no funds and had to call out of work today because I had no money for the bus. It 's going on day 3.