WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchased an investment property with a pay option ARM loan ( number XXXX ) with an option to increase my principal borrowed by 10 % which I could use to borrow against to help pay my monthly interest, much like a line of credit. During the years XX/XX/XXXX thru XX/XX/XXXX IndyMac Bank only reported the interest I borrowed on the original amount of the loan and not the additional borrowed interest, that they referred to as deferred interest. In XX/XX/XXXX OneWest Bank acquired IndyMac Bank and in XX/XX/XXXX when they foreclosed on my property they provided me with a Form XXXX that included the unreported interest ( Deferred Interest ) in the original principal amount which is reported in box 2. of the Form XXXX. The instructions for Form XXXX specifically do not allow for interest to be added to the principal in box 2. Therefore I am requesting IndyMac Bank-OneWest Bank-CIT Bank provide me with a corrected Form XXXX or corrected Form XXXX for years XX/XX/XXXX thru XX/XX/XXXX. I have attached copies of my documents and Bank documents. The Bank 's loan history documents match my figures to the penny.
I made a payment via the internet to my American Express account through Bank Acct A. I realized there were not the required funds in Bank Account A so I wanted to switch the payment to Bank Account B. American Express would not allow me to do that and as a result the payment did not go through. I called on the phone and made the payment in full with Bank Account B but AMEX still insisted on not canceling the payment to Bank Account A even though I made the Payment with Bank Account B. They stated numerous times it had to be submitted 3 times then they would cancel the payment. This is an unacceptable business practice and most likely illegal.

The result is 3 returned payment requests and 3 NSF Fees to Bank account A.
Collection letter sent to former address. XXXX is not owed money on my account. XXXX was contacted, requested letter sent to their fraud/legal dept. I 've faxed AIC to contest debt and request all information via fax and not mailed ( all copies attached ). One of AIC 's search results netted a long list of complaints by consumers receiving similar letters and or calls. This is a fraudulent scheme on behalf of AIC to collect money on debts not owed ( certainly not in my case )
XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status XX/XX/XXXX Submitted follow-up letter with Affadavit of Residence XX/XX/XXXX Received letter from PayPal Credit requesing copy of driver 's license XX/XX/XXXX Submitted a copy of my drivers license as requested XX/XX/XXXX Received letter from PayPal Credit again requesting copy of driver 's license XX/XX/XXXX Submitted another copy of my drivers license as requested XX/XX/XXXX Received detailed documentation from PayPal Credit about the disputed charges XX/XX/XXXX Contacted customer security operations to inquire about status of complaint XX/XX/XXXX Contacted XXXX County Police to file report XX/XX/XXXX XXXX County police contact PalPal Credit to let them know report had been filed XX/XX/XXXX Contacted customer security operations to inquire about status of complaint. 
Was told that I would have to send them a copy of police report. 
Was originally told by XXXX County Poolice that PayPal Credit would have to request it. 
Sent an e-mail to XXXX County Police requesting report under FOIA.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.
I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.
I have been a Wells Fargo customer with my 1st Mortgage and always pay on time with additional payments to principle each month. I owe {$180000.00} on a rental property in the XXXX market that i rent for {$2500.00} month. My credit was XXXX prior to my auto payment error. I wrote emails and letters to Wells Fargo board of directors explaining what happened with their website regarding my one late payment and they did not help me in any way. 
As a real estate investor and borrower with XXXX plus credit i am not satisfied with how they handled the situation. Clearly i make extra payments each month and always have $ XXXX-XXXX a month extra. My late payment was due to their website. They are not helping me and have impacted my credit score which impacts my business.
I had a business credit card with American Express. On XXXX XXXX I paid {$12000.00} to pay off the balance. After that the credit card company decided to close my account. In following two months I received the statements with XXXX balance. I was not able to use the card as it was already closed. 
Surprisingly for me I received the statement for XXXX ( for the XXXX month after closing ) in which it is shows that the adjustment was been made and the payment for {$12000.00} was been returned. First off all I did not authorize the American Express to reverse my payment and second how did they act without notifying me first. 
I am attaching the last 3 months statements.
The bank is Fifth Third. 

I have not closed the account yet. Waiting for interest payment. 

I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. 

Even if I go below the {$25000.00} the offer says I would receive a blended rate. 
I had a balance of {$100000.00} until XX/XX/18. 
{$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. 

XXXX XXXX XXXX is the personal banker. 
XXXX XXXX is the Manager. 
XXXX XXXX XXXX. 
XXXX, fl XXXX XXXX
My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.
I have no unpaid debt. I have a mortgage that I have always been up-to-date on, and I always pay my bills on time. I have checked my credit report and have seen no red flags. My credit score is XXXX. And yet every day for the past two or three weeks I have gotten a robotic message on my answering machine from Van Ru ( sp? ) asking me to call them. I have n't called them because I know I do n't owe any money, but I want them to stop calling me.
I was trying to obtain a free credit report, I got as far as receiving the report on the screen. I was not able to print or save. The website froze. I have a report # but I can not find an outlet to ask for a reprint ; there are no numbers or emails to even send such a request for a website/technical error. Every link clicks to an address ( different state or city ) with a request for money. I have reached out via twitter to ask for a resolution - no response. Every year I go through this with ONLY Experian. I feel they are withholding my credit report, and trying to extort money in any kind of way from consumers. I have not been able to secure any new lines of credit, and I think they may be the hold up. I do not have bad reports from other bureaus. I do not understand what the problem is, as my request is only once a year. 
I simply want a free credit report as promised, and I do not want to pay for it as promised.
my report received- # -XXXX-is violating my constitutional rights for a correct credit report and score. the bureau Experian is smearing me by embedded addresses, inquireies, and refusing to investigate the wrong negatives on my credit report. I have made contact with them numerous times and all they give is a embedded answer and nothing done ...
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on my TRANSUNION credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX  I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.
I have been trying to get a loan modification with my mortgage company with no success. The only options they gave me is either sale the home or I will be going into foreclosure,
My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. 
This seems a little excessive. 
When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. 
The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! 
I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.
I requested that XXXX XXXX XXXX to stop calling me on my work number as I could not receive debt collection calls at work. They acknowledged but began calling me again on XX/XX/2018 on my work phone number.
I send a certified letter with return receipt. The bureau received and signed when l disputed XXXX I did n't recall having an account with them. After disputing the credit bureaus send me a letter saying the file was updated. I then send a letter requesting a copy of any documents in their file that was used to verify the accuracy of the account in dispute. I also demanded that the account be properly verified or removed. They never send me any documents. So I contacted XXXX then received a document from XXXX showing a paper that had dates of XX/XX/XXXX XXXX clearly I did n't know of this debt but they still are reporting it and its well passed the statue of limitations. Also re aging debt is illegal.
On XX/XX/XXXX I applied for the American Express Blue Cash Back card as they were offering a promotional deal - {$150.00} statement credit after you spend {$1000.00} in purchases on your new Card within the first 3 months. I was approved for the card and made over {$1000.00} in purchases in the first 3 months. 

I have not seen the promotional credit still as of XX/XX/XXXX. I have communicated with American Express multiple times. They have claimed to investigated the issue ( ID XXXX ) and determined the offer was not available when I applied. I do know that the offer has been around since at least XX/XX/XXXX, and is still available on their website today. 

American Express has also acknowledged a problem with my account failing to accrue any rewards points for my purchases. They have offered to credit me 1 % of my purchases. I decline this offer, as I am entitled to the {$150.00} statement credit offered, which is what got me to apply for their product.
When the Public Service Loan Forgiveness program was announced, I contacted my loan servicer at the time ( Nelnet ) and asked to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. I was working at a 501 ( c ) ( 3 ) NGO at the time. I was told that my loan type and repayment plan were eligible for the PSLF plan and did n't need to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program. Around XXXX I was told by Nelnet that I currently did not meet the qualifications for the PSLF and needed to consolidate my loans to a different servicer under the PLUS program to continue eligibility. I ended up getting a consolidated loan through XXXX and then was transferred to XXXX. I told them specifically that I wanted to be eligible under the PSLF program as I am employed by the XXXX and was put on a graduated repayment plan and told that it qualified for the program. In late XXXX I sent in paperwork for the PSLF for the 501 ( c ) ( 3 ) organization I worked for, and then one for the XXXX I have been working for for the past 7 years. After submitting, I got a notification that I was being again transferred to a different loan servicer. Today I got an email stating that I needed to select a different repayment plan because the current plan I was paying under ( and was told previously that it did qualify ) did not qualify for the PSLF program. I called the new loan servicer ( XXXX - XXXX ) to inquire what has happening with the loan. I was told that NONE of my payments since XX/XX/XXXX qualified for the PSLF program. I found out I was given incredibly incorrect information by both Nelnet and XXXX in repaying my student loans. After paying these loans for the past 9+ years, on time each month, under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest. I feel that because I was told this information by an approved servicer that these years worth of payments should be applied to the PSLF program.
I had a {$600.00} withdraw taken from my husbands checking account that I am joint on. He has worked hard and overtime for his money for months. They claim there is a checking and savings charged off from 2008. I have no clue what this is from. Plus over {$1000.00} is from fees and charges. What on earth kind of bank would let an account accumulated over {$1000.00} in fees and charges. This is downright nuts. They will not provide me any proof of this information and how on earth can a savings get a negative balance? I want immediate action to have this money put back in the account. My name is XXXX XXXX XXXX
We want XXXX XXXX XXXX investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX XXXX
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, XXXX, and Experian and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX -XXXX  XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX . -XXXX  XXXX XXXX -XXXX  XXXX XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX -XXXX -XXXX XXXX XXXX
I learned of the Equifax security breach today, through the news, not through them. I was affected for months and they did not tell me. Something like this has the potential to ruin lives by ruining credit. 

I believe they should be fined and have to pay for any damages to people 's credit. 

There should also be legislation introduced so this does n't happen again.
In XX/XX/2018 i deposit a check of XXXX and in XX/XX/XXXX i ordered something from XXXX XXXX  the order did not go right so i canceled the order and told navy federal to expedite my funds back into my account so the did. Now they are telling me in XX/XX/2018 XXXX XXXX XXXX gave me the MONEY back. Navy federal would not admit the human error they still had my oops account open plus the were removing money from my savings to my checking without consent from me and i told them to stop and they did not and now its a human error that they are leaving me liable for their error and i ask that you will investigate my claim.
I have never been to XXXX XXXX, CA and certainly not have applied for an Apartment.
There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all 3 credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all 3 bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX 2017. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Lost job in XXXX. Got another job but not making enough to cover all bills. PNC Mortgage and Mr XXXX agreed to a re-payment plan where he had to put down {$3500.00} and proceed to pay {$1800.00} per month for 18 months. Have receipts for this. PNC made an error ruining the payment plan causing it to stop. PNC fixed error. I continued with the payment plan. PNC made another error saying Mr XXXX owed an addl payment after the payment plan ended in XXXX, Mr. XXXX paid an addl two months payment. PNC Bank rejected the payments and now the house is in foreclosure. I applied for a modification in which I was denied based on my income. I applied recently with my current lawyer XXXX XXXX. My income is no longer an issue now. It has increased tremendously. He is now working two jobs that total XXXX a year plus to rental incomes in on e of my properties. All income and rental incomes with lease are provided in attached documents. PNC Bank refuses to look at my modification stating they have a policy that you can only apply to loss litigation twice. Mr. XXXX want to keep my home. Please help!
Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.
I had trouble getting employment and ran behind in paying my mortgage. 
I contacted my mortgage company Wells Fargo to try to qualify for a modification. 
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to them.