WillisBack/dataset-financial-user-claim huggingface dataset:
I have made consistent payments since at XXXX, possibly even going back to XXXX. Often times I have doubled my payments in an effort to quickly pay down the principle. When I inquired why my principle was not decreasing I was told that when I made extra payments that accelerated my interest, and any additional money I paid only went to interest instead of the principle. So essentially I had just been giving money away. So for probably the past year I have only been making minimum payments, but I have paid no less than {$290.00} per month every month for the past six years and only approximately {$1900.00} has gone to the principle on my loan. For some reason I have 5 separate loans with Navient. Since I've been making minimum payments I notice they are allocated in a way that I will always have a past due balance on at least one of the loans. For example if I have due payments of {$50.00} for each loan, and I make monthly payments {$250.00} ; one month the {$250.00} will only be allocated to the consolidation loans, then the next month it will be allocated to my other loans and the fees and interest from the previous month. Additionally every time I call them always try to talk me into a forbearance, a hold, or a adjusting my monthly payment which I have learned result in higher loan amounts.
Hello, A Bank of America Credit Card was opened under my Social, name, identity, etc. on XX/XX/2018. This was made aware to me by XXXX XXXX stating that a Bank of America Credit Card was opened. I have never had an account with Bank of America, whether checkings, savings, money market, or credit card. Please have this removed from my account and social. 

Thank you, XXXX XXXX
I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.
In XXXX XXXX or XXXX XXXX XXXX started auto deduction of monthly payment for a phone service that was never provided. After 30 days of waiting for them to provide said service without success, I open service with XXXX for my home base employment ( Work from home ) service. By the time I nullify my checking Account they manage to auto deduct XXXX payments of about $ XXXX {$29.00} ( not sure of the monthly amount anymore ). I request refund of the auto deduct payments, but instead they put my account into collection and I was harassed continuously. The last agency that had the account in XXXX I advised of the dispute and to remove it from my Credit report I thought this was done when there was no more communication until recently I was denied refinancing my home loan due in part to XXXX XXXX having a collection on my report. Even their own record indicate that I have never had any service from them and they owe me approximately 3 months refund of monthly payments that they auto deduct from my account. Please see the information that I Copied from the report below. 


Last Reported XXXX XXXX, XXXX Collection Agency CREDIT COLL Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$180.00} High Balance {$180.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, XXXXA XXXX ( XXXX ) XXXX
Halsted Financial Services is harassing me by calling me multiple times between XXXX every day looking for someone that is not me. When I told them to stop calling they say ok and or just hang up before letting me get another word in. I've also called them and told them that the calls come in from a spoofed number XXXX in which I can't even call back because instead removing me from there call list they blocked my number and nothing is said from the robo call it just hangs up. 

Most agents refused to give me the company they worked for and it took me 3 to 4 calls to actually get someone to say that and where they were located. They call me from multiple phone number ID 's instead of there XXXX number. XXXX & XXXX XXXX are the two numbers just today that they used. 

I'm guessing Instead of removing me from there call list they only remove me from that specific account. I'm not that person and should NEVER be called because I don't have any debt in any agency. I've added my phone number for all calls to be recorded so I'll be attaching that to further cases if this harasment doesn't stop.
I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.
A couple years after I noticed a credit card on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Ocwen refuses to take late payment. Wont allow payment plan. 
refuse to negoitiate lower interest rate since they acquired loan. Extremely uncooperative.
This is a dispute for loans that have been filed illegally without my permission and misconduct use of my stolen personal information ; It is Fruad Identity as I did not file this loan nor did I sign for any such loans. I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. 

I never filed any form online for such loans and I never signed any electronic form for any loans online. Again this is Fruad Identity and I am disputing these loans. 

Thank you in advance for your patience and understanding.
I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back.
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 

At some point I did being getting collection letters and I was disputing them directly with the creditors. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by  refusing to block a fraudulent account from my credit report. 

XXXX XXXX XXXX has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the account that was fraudulent and needing to be blocked back in the fall of last year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. I didn't even get a copy of my Chexsys report for months so I wasn't aware this account existed.
On several occassions I have contacted XXXX to verify and VALIDATE the allegied bankruptcy that is being reported on my credit profile. They always come back saying it has been verified but never validated!. I have a letter from the bankruptcy courts saying they do not give out that information so inorder for them to be reporting CORRECTLY per FCRA REQUIREMENTS that in fact XXXX XXXX XXXX is the one thats showing as whom is reporting it and they ARE NOT. XXXX XXXX lies and to catch them in a lie I contacted on XX/XX/17 LexisNexis and they tell me they get their information from XXXX but yet XXXX states they get it from LexisNexis. They are caught in a lie and they are NOT upholding the FCRA REQUIREMENTS.
OnXX/XX/XXXX I received a letter datedXX/XX/XXXX from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt for original account holder XXXX XXXX in the amount of {$190.00}. They stated to respond within 30 days if I wanted to dispute the debt. On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX which was received by them onXX/XX/XXXX disputing owing XXXX XXXX XXXX any debt and stating to them to please send me any proof or whatever they can in writing showing that I owe any debt to their company. This dispute was done well within the 30 day time frame. I never received a response back to my dispute letter. Approximately 2 weeks later I noticed that XXXX XXXX XXXX had reported the collection to all 3 credit bureaus. OnXX/XX/XXXXI sent another certified letter to XXXX XXXX XXXX which I have attached a copy of requesting immediate deletion removal from all 3 credit bureaus which they have not responded too. After contacting XXXX XXXX directly I was able to obtain proof of the amount owed to XXXX XXXX and have paid the amount owed ( {$190.00} ) to them in full. The collection agency refuses to have the collection deleted off of my 3 credit bureau reports.
I spoke with a Chase Customer Service Representative, he asked me the reason for my call. I explained to him my issue regarding the multiple overdraft fees that were placed on my account. He informed me that he would make request to waive the overdraft fees. However, he then stated that he was unable to do so due to a limit that they have set. Afterwards, he connected me to who he introduced me to as his supervisors. She didnt seem like she had my best interest at heart as the customer, she was also very adamant about this limit that was previously mentioned. When I asked several questions she refused to answer them and told me if there isnt anything else she could help me with then goodbye. I have banked with Chase for years and I noticed a pattern in how they place overdraft fees on my account. They stack up them up last minute, thus gouging me for as much funds as possible. This same practice is what lead to the Class Action Lawsuit in  2012. Im a XXXX XXXX XXXX that definitely needs the funds that work hard for and I dont believe costumers should be treated this way.
I spoke with a Chase Auto employee named XXXX ID number XXXX. She advised me my vehicle up for possible repossession if the late fees are not paid. I asked her how it that possible she said the company has a right to pick vehicle up since it 's past due.
Regions bank got a check from me a  XXXX  person {$26.00},  XXXX  from social sercurity, they took over {$800.00} for a deposit which is illegal, my attorney   XXXX   XXXX   is the witness  XXXX   XXXX   XXXX  regions owe me big time it is against the law to take funds from a  XXXX  person
I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.
XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Mohela does not allow automatic payments ( i.e. of interest incurred ) during deferment stage of loan.
I disputed an inquiry that was falsely made by WestLake Financial Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After more than 30 days passing from the time the letter was received, this company did not respond to my letter. I did not authorize anyone employed by Westlake Financial Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
On XX/XX/XXXX my Freedom Unlimited credit card was denied when I attempted to pay for lunch. In the afternoon, my wife attempted to make a purchase at the mall and her purchase was denied using the same card. I called the bank credit card services at ~XXXX XXXX and I was informed that both my credit cards ( Freedom and Freedom Unlimited ) were closed. When I inquired about the reasoning, I was informed that Chase Bank has decided to close my other accounts and therefore credit cards have been closed as well ( other account referring to Checking and Saving ). When I asked why I was n't even notified, I was informed that a letter was sent the same day my credit cards closed. After about an hour of being bounced around on the phone, a lady with banking informed me that " my account has been reviewed and the bank has decided to close my accounts ''. As I repeated my question, she kept answering the same exact way ( maybe changed a word ) but no answer as to why?!? I have been a good customer and have had no issues in regards to payments. How can my checking, savings and 2 credit  cards close with no explanation?!? I was informed that I can continue to use my checking and savings until XX/XX/XXXX as they will close later. I still have no mail about any of this.
I applied for XXXX degree and was excepted XX/XX/XXXX. I decided to get a loan to help support through my 2yrs of schooling with American Education Services. I graduated XX/XX/XXXX with my degree and starting working XX/XX/XXXX for a XXXX. I went to my bank and consolidated all of my debt XX/XX/XXXX. My loan officer wanted the payoff for all loans or credit cards before he would give me a check. I called AES for a payoff amount and then sent them a check for the pay off amount. XX/XX/XXXX AES sent a statement showing I still owed {$2500.00}, I called and asked why I paid you off 8 years ago. The representative said your account shows you called for a pay off but that was n't a pay off. I said I did n't understand why and after 8 years they are chasing me down for more money and that I would n't be in a big hurry to pay them anymore money. With it being 8 years later I do not have any documents other than a copy of the check I received from my bank for the consolidation. I have now been turned over to debt collections and my credit report is showing a ding. I did call AES for a master promissory letter but does n't show anything about owing more money. I do n't know where to go from here, I called for pay off XX/XX/XXXX and sent a check knowing that I paid them off. Please help me in my dilemma. Thank you
American Express annual fee which I have repeatedly requested a copy of the application which they state I signed indicating authority to charge an annual fee which I have not although for the past five years or more they continue to bill this fee each year indicating the same response that they will send my executed copy of the application-The latest charge was on XXXX XXXX 2017 in the amount of {$95.00} each year.
A charge of {$170.00} to XXXX XXXX on XXXX XXXX, XXXX appeared on my XXXX XXXX, XXXX thru XXXX XXXX, XXXX statement. I contacted the bank upon receipt XXXX XXXX, XXXX. I spoke to XXXX and she told me she would open a case file ( case # XXXX ) She said she would send me forms to fill out and mail back. In the meantime I contacted XXXX and was told that they could not provide me with any information regarding the account the money was posted to. They did verify that it was not credited to my account. I called the bank again XXXX XXXX, XXXX and was told that paperwork was mailed to me the previous week. I did not receive anything from them until I received a letter on Saturday, XXXX XXXX, XXXX that was dated XXXX XXXX, XXXX. This letter stated that there was nothing in my account to indicate that the transaction was unauthorized and that if I disputed this I should fill out the Written statement of unauthorized debit '' form and mail it back to them. I filled out this form, signed it on XXXX XXXX and mailed it back in the envelope provided. I never received a response from this and upon receiving my next statement I called them on XXXX XXXX to inquire about what happened. The person I spoke to that said she would research it and I could call back later that day to find out what happened. A few days later I received a message on my voicemail from the XXXX M & T bank about something else. At the time I thought she was calling me about my claim. She only wanted to know if I wanted to open other accounts ( the nerve of them after treating me so badly ). When I realized that it was not about my claim I contacted the bank again on XXXX XXXX, XXXX and was told that a letter had been sent to me dated XXXX XXXX. As of XXXX XXXX I had not received that letter. At that time I was told that I needed to write a letter to the dispute department to reopen the investigation. The next day I went to the XXXX XXXX and asked them to pull up my account. They pulled up a letter dated XXXX XXXX that I never received. This letter said that they had done a thorough review of my account and nothing in the record indicated that the transaction was unauthorized or processed improperly. At that time I asked to bank rep. to fax my request to reopen fraud investigation. I don ; : t think that the bank has been honest with me regarding this investigation from day one. Every time I called them they told me that they had sent me something and I never received it. They have my correct address so I don ; : t know why I never got letters they said were sent to me. This is a XXXX account and I never pay my bills from this account. I only use this account to purchase special items for myself and my grand children. I have spoken to friends and family about this situation. They told me that when this happened to them they were told to close out the account. M & T never told me that I should close out the account to avoid additional fraud. {$170.00} may not be a lot of money to some people but when you are retired and on a fixed income it is a lot of money.
I have contacted TransUnion on several different times including today XX/XX/XXXX. I Have been contacting them because I am a VICTIM of the " Inquiry Issue '' I have been trying to get this issue resolved for many months now. All i get is the run around and promised phone calls to have the Inquiries removed from my credit report. I you look at the dates on all of these hard Inquiries there is a pattern.

Here are a list of the Inquiries that were supposed to be removed but have not : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX) XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX ) XXXX (XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX )