WillisBack/dataset-financial-user-claim huggingface dataset:
The lender, or the lender 's collection, keeps calling my sister 's phone number, despite my request for them to stop. My sister has noting at all to do with the loan. She was never listed on any of the documents or anything else to do with the loan.
Was told transaction dated for XX/XX/XXXX would be available on XX/XX/XXXX. Confirmed in a call on XX/XX/XXXX

and was told funds would be available on XX/XX/XXXX. Called on the morning of XX/XX/XXXX and confirmed available in the afternoon. Afternoon of XX/XX/XXXX was told it would not be until XX/XX/XXXX ... .. Refunded transaction and resubmitted an invoice to receive sooner, now being told XX/XX/XXXX ...
Dear Sir or Madam : In Re : Acct. # XXXXI would like to file a complaint with your agency against Syncb/Chevron for none-compliance with the Fair Credit Reporting Act ( FCRA ). I filed a dispute with XXXX for erroneous information being reported on my credit report by Syncb/Chevron. 

On XXXX XXXX, 2015, I sent a certified letter to Syncb/Chevron requesting an XXXX investigation in regard to an account that is pass the statue of limitations and that they needed to submit copies of statements upon request. They fail to comply with that request. 

On XXXX XXXX, 2015, I sent another certified demand letter requesting that they respond to my request ; and again they fail comply with that request. It is illegal for Syncb/Chevron to verified account information as accurate without doing an XXXX investigation for which I am entitle to by law. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
Lease w  as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.
Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with Equifax and XXXX by submitting a dispute. Nothing changed. I tried onXX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
I first contact ed Navient via fax and mail on  XX/XX/XXXX  sta ting that I was missi ng 9 payments in all from  XX/XX/XXXX  and  XX/XX/XXXX . Finally  on   XX/XX/XXXX  I  received a letter fro m Navient asking me to supply them bank information regarding the payments I made. They wanted me to obtain the Electronic Funds Transfer ( EFT ) numbers of payments and the address to which the payments were sent so that they can research my account.. All the information was faxed and mailed to them on XX/XX/XXXX . I wrote and m ailed another letter asking for a status update on   XX/XX/XXXX and ne ver heard back. I called customer service o n XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX  and   XX/XX/XXXX . Was alwa ys told that it was still in review I could never get a supervisor or anyone from upper management on the phone. I have filled a complaint with the Federal Trade Commission and the BBB. The amount of missing payment and the outstanding interest is more than enough to pay off this loan.
My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.
Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.
Navient  will not allow me to even research income-driven repayment plans through their website. When I navigate to the page, it claims I have past due loans and instructs me to call them : however my federal loans are NOT past due. They are deliberately inhibiting me from being informed about my options. Furthermore they are conflating responsibility of federal and private loans : if I do in fact have private loans that are past due, they should not prevent me from receiving information about my federal loans.     I want to remove my federal loans from Navient and service them through someone else.
PNC XXXX XXXX branch is billing me for a safe deposit box owned by my deceased mother. 
I am not the executor of the account and I was not one of the cosigners when she passed. 
They added my name to a document they sent to my local branch. Next to my name is the address of my brother, XXXX XXXX, who was the executor, POA, and cosigner for the XXXX. 
My signature is not anywhere on the documents they sent., nor is my address. 
They added my name to documents without my consent. 
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased
Loancare ( a XXXX company ), assigned 2 different account/loan numbers for one loan and falsely reported late mortgage payments to the credit reporting bureaus for the account not used for billing and payment. We 've never missed a payment and they agree. To date about 6 months after we discovered the 2 different account numbers for the same loan and after we noticed the false reporting of 120 days late payment, Loancare has failed to correct its mistakes. We called Loancare on XXXX XXXX ( agent XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ) and each time they said they would open a case with the credit department ( not available by phone ) and did not follow-up. Loancare has ruined our credit and there is no way to communicate with the correct department about resolution.
XXXX XXXX XXXX is reporting on my credit report for the amount of XXXX. I disputed this item and also sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX has not responding and XXXX XXXX XXXX keeps reporting this item on my XXXX credit report
I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

Thank you!
My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.
Experian refuses to investigate the following credit inquiries that don't belong to me, or did not authorized them, they told me over the phone that they will not be able to request investigation! They want me to start chasing these companies instead of them investigate them and delete them as they are the agency reporting these incorrect inquiries. 

Inquiries : XXXX XXXX ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. 
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.
Ordered a XXXX XXXX XXXX XXXX smartphone from XXXX. I had to do this XXXX times because the first XXXX I purchased were either not as described ( opened box when item was sold as new/unopened box ) or blocked on my carrier ( seller financed phone and stopped payments ). The last of the XXXX phones that needed to be returned worked fine for a few days and then became blocked with my carrier ( seller non-payment ). It was shipped back as the previous ones were : I contacted XXXX, informed them that the phone was not as described, and they then approved and issued a return label to return the phone at their expense. The first XXXX returns were credited back to me. The final return was never credited. After 30+ days after the return, I attempted to contact XXXX but they make it extremely difficult, if not impossible to find their contact phone number or even send them an email. After XXXX mins after trying to find their contact info, I instead called my card issuer and disputed the item for failing to credit me for the return. Instead of XXXX responding to the chargeback, XXXX responded that the item was never returned and that it was as described. XXXX of course has never seen the item and had no idea of its condition, it was simply a defensive tactic they use the absolve themselves of accountability ( they probably paid the fraudulent seller and then got left holding the bag ). I responded to my card issuer explaining and providing documents indicating from XXXX 's own website that the item in question was returned. My card issuer, Chase, performed no investigation of any kind and simply took XXXX at their word. Despite all the evidence I provided, and XXXX having a complete accountability of the return, they refused to remove the charge. I finally found XXXX 's phone number and contacted them to ask why they never credited me back. The rep told me that the item was returned " late '' so there is no refund. XXXX only provided XXXX to return the item. Because the phone being returned contained all of my mobile data ( it worked for a few days before the carrier block took effect ), I had to procure a replacement phone and copy all of my data over before I could return the phone. Again, this was the seller 's fault as they knowingly sold me a phone they knew would be blocked at some point. So I explained this to the XXXX rep and he reiterated that they will be keeping the money and the seller will be keeping the phone, and I am due no refund. However, my card issuer is supposed to act as the fail-safe in this type of situation, and did not adhere to the XXXX. Perhaps they have a cozy relationship with XXXX or simply do n't care. The evidence I provided them was overwhelming and they did n't seem to review or follow-up on any of it. Additionally, you should be aware of issues like this where the consumer does business with XXXX but it is XXXX that responds to the billing dispute. This allows XXXX to be unaccountable and XXXX to play ignorance.
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
XXXX  XXXX XXXX is reporting delinquent status this mortage was modified and all payments were current for the 4 months XXXX  XXXX XXXX owned this account it was then bought out current by carrington mortage XXXX XXXX XXXX continues report erroneous information and we have joined a class action one of many XXXX has going for this reason XXXX  does nothing but scan this and report this as update we filed 609 1 a 1 form with them of which the disreagsurded
The question ( " Have you disputed the issue with the credit reporting company and received a final response '' ) is two-fold ; I answered Yes because I have disputed the inquiry, but on the second part of the question, I have not had a final response yet. 

I was notified by XXXX that an inquiry was placed on my Equifax credit report by XXXX in XXXX of 2015. I am not, nor have been for almost 10 years, a XXXX customer. I have not called them, not spoken to any of their representatives through phone/email/etc, nor have I applied for any of their services. I therefore did not authorize XXXX to access my report. A small XXXX search to learn how to approach this issue yielded numerous news articles about XXXX being taken to court for illegally pulling credit reports. This behavior needs to stop.
I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.
I have had a Macys credit card for several years. Every time I charged purchases it was paid in full on time. XXXX 2014 I lost my job. My mother paid my Macys bill in the store. She did not realize there was a {$35.00} late fee. Thinking the bill was paid I was surprised when I was told I owe over {$200.00}. They are charging {$35.00} every month on the {$35.00} late fee plus interest. My mom says that is illegal and that I should contact this agency. Both my mother ( with my consent ) and myself have spoken with them to no avail. It has go into a collection agency seeking {$220.00}.
My father filed bankruptcy XX/XX/XXXX. Somehow, I was included from a Auto Loan. The vehicle was traded in by my Dad for a vehicle that was claimed on his bankruptcy. I was unaware that I was on the new auto loan through USAA. I have sent dispute request to remove this off of my credit. However, my father has completed his bankruptcy and received his certificate. Nevertheless, I feel that this is part of the reason USAA has closed my account XX/XX/XXXX and denied me an auto loan.
XXXX continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XXXX and they were listed as a creditor on schedule f of the bankruptcy petition filed XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through Trans Union, XXXX, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX are listed wrong please delete bankruptcy.
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.
My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.
I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.
My Mortgage was sold from Saxon Mortgage to XXXX in XX/XX/2012. 
Prior to the Sale, my Mortgage Balance was {$200000.00} with Saxon Mortgage, but after the Sale to XXXX, my new Mortgage Balance was {$240000.00} ; hence a fee of {$40000.00} was added ( i dont know why ), which i have had to pay down over the last XXXX years to the current {$210000.00} with XXXX