WillisBack/dataset-financial-user-claim huggingface dataset:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XXXX  and did not manage to get forbearance/deferment completed, accepted Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed. The amounts are XXXX and XXXX.per FCRA I should not be responsible for this loan. due to inaccurate information and a 3 party reporting to credit reports.
Misleading advertising on annual fees by American Express. I was under the impression that the first year 's credit card fee would be waived, but was charged {$190.00}. Upon iquiry with Amex I was told there was nothing they could do.
I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.
I have multiple hard inquiries on my credit reports from Synchrony Bank for different retail store credit cards. So far there are two inquiries for an XXXX XXXX card and one inquiry for a XXXX card. I called and disputed the XXXX card months ago and the inquiry is still showing on my credit report. I called about the XXXX XXXX inquiry today ( XXXX ) and now there is another inquiry for XXXX XXXX dated today!! I have not applied for any credit cards. I am in the process of having a house built and need my credit to good in order to qualify for a mortgage loan. I can not do that with all of these fraudulent inquiries from Synchrony Bank. I want them removed immediately and I want some kind of freeze or alert that does not allow any inquiries or applications under Synchrony Bank. My social security is being used and my maiden name of XXXX is being used. Random addresses are also being used to submit the applications. I was told a fraud alert would be placed on my information after the first inquiry in XXXX for XXXX but the XXXX XXXX inquiries were still able to go through. This is unacceptable and this is harming my credit and my opportunity to buy a house.
I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.
I write them a letter but I never get any response back. I believed that the address on file is not correct. I disputed with TransUnion, they refused to remove the inquiry. 
The inquire name is XXXX and it was reported to my TransUnion report on XX/XX/2018.
Approximately, XXXX-XXXX of 2018, I began receiving telephone calls from Navient regarding student loans in my name. 

The loans were previously in deferment or forbearance. However, I was forced out of the graduate program for which I obtained the loans. While a graduate student, I was XXXX harassed by a male professor and forced to leave the program when I complained to another male professor. Now, I am being forced to pay more than {$1000.00} a month repayment for the {$100000.00} balance. Outside of winning a XXXX dollar lottery, there is no way in my lifetime that I can pay this loan. I am not wealthy and can not borrow money from anyone to make this payment. 

The telephone calls from Navient are harassing and occur on a daily basis, several times a day, even at my place of business. I have never given Navient permission to call my cell phone incessantly or my place of employment. 

I have asked Navient customer service to cease and desist from calling my cell, home and work phone. However the calls continue.
Best Buy Credit Card Services debited my checking account an unauthorized amount of {$1000.00} on XX/XX/18. I called them on XX/XX/18 at XXXX to find out why. They advised me it was a promotional offer that had expired and that interest was added on to my account because I didn't pay off the promo rate. I believe this offer was misrepresented. I advised them that I only authorized them to take out a {$100.00} automatic payment from my checking account each month and I never authorized them to debit my checking account {$1000.00}. They advised me the payment was properly taken out of my checking account based on the minimum payment I owed. I was transferred to a supervisor. She advised me again the amount was properly deducted & that she would expedite a request to send back {$900.00} plus to my checking account in 3 to 4 business days. She also inquired if my address was correct. I advised it was not and I provided the updated address. She then stated that she would remove the interest and allow me til the end of the month to pay off the promo. She also advised she would remove the automatic payment. I called back on XX/XX/18 at XXXX. I was transferred to the Dispute department. I was advised : 1. ) the returned deposit to my checking account was not expedited & still scheduled to take 7 to 10 business days 2. ) my address was never changed like I was advised 3. ) most importantly, my automatic payment was not  cancelled on XX/XX/18 like I was advised ( which would have automatically been taken out again had I not called back ). The specialist on XX/XX/18 advised she would expedite the request to have the funds returned in 3 to 4 business days, she removed the autopay & updated my address. I called back on XX/XX/18 at XXXX to follow up. I was advised that the funds should be deposited in 7-10 business days from the original request date which would be XX/XX/18. I explained that I was advised on two ( 2 ) occasions that it would be expedited. The specialist I spoke to advised me there is no expedited timeframe & it takes 7-10 business days and the request is processed in the order they came in. I requested to speak to a supervisor. She advised me she is a supervisor. I then requested a copy of my automatic withdraw form to confirm that I only authorized a {$100.00} payment out of my checking account each month. The supervisor advised me there is no form because I either requested it online or via the telephone.
I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.
XXXX/XXXX/XXXX Called Equifax, spoke to gentleman named XXXX, told him " current address '' of XXXX XXXX XXXX .... is the ONLY correct address for me for the last XXXX years. He told me he processed the removal of the 5 previous addresses that were listed for me and gave me a confirmation number. 
Today is XXXX/XXXX/XXXX and I am still getting notices from them XXXX several repeated mailings ) that they still reference the invalid previous residences as my prior current addresses. 
Again, the only valid address for me since XXXX, is XXXX XXXX XXXX ... ... 
I am so ... .. frustrated with them as I have filed other disputes with them as well as a prior filing with your agency for problems with getting things straight with them. 
Right now, my credit report with them looks okay except for those invalid/incorrect addresses.
Greetings, Loan Simple Inc. is the mortgage lender that I use to refinance my home last XXXX, everything went well and the 1st payment was set up to be made onXX/XX/XXXX, but on XX/XX/XXXX I received a letter saying that my loan was transferred to XXXX and they will start collecting my payments on XX/XX/XXXX, accidentally I made the XX/XX/XXXX payment to XXXX instead of LoanSimple, after a few calls XXXX made me regarding this payment, I contacted XXXX to reverse that payment to LoanSimple, they agreed and sent a check to LoanSimple on XX/XX/XXXX, it looks like it was cashed on XX/XX/XXXX but LoanSimple keeps denying they have received this check and now they are sending me letters about foreclosing my house stating that I haven't made my mortgage payments, that my loan has never been transferred and that my house could be foreclosed if I don't make my mortgage payment. 

My XXXX # is XXXX XXXX loan # is XXXX Best regards XXXX XXXX XXXX
On XXXX XXXX,2016 a hard hit inquiry was placed on my XXXX  report due to a fraudulent application " cominetycapital/XXXX ''. I have called numerous times to have them contact XXXX to remove this inquiry and nothing has been done. They now tell me they ca n't locate an application for me and an account was never opened so it should not be on my credit report.
I took a family member to the doctors because I signed the member in to see the doctor, the collection agency states I am now liable. The family member had their own insurance and from what I understand their insurance did not cover all of the costs, which was not disclosed at the time either ( another issue entirely, but not my issue ). I am clearly a third party to this and did not sign anything saying I would pay the bill. The bill is the responsibility of the person that received treatment, not me an innocent by stander. In my opinion this is fraud. The collection agency is trying to deceive me by making a unjustifiable claim.
We submitted documentation requesting a modification for several months due to a financial hardship. The company Nationstar continue to say documents are needed after documents were sent several times. It is a burden and very frustrating to comply with the systems request of documents and they fail to process them.
On XX/XX/2018 I called the company called Lexis Nexis to  dispute a bankruptcy that this company is reporting to different credit reporting agencies, however when XXXX ( ID number is XXXX ) refused to take my call because I was communicating through a XXXX XXXX XXXX. He said he can't continue my call unless I have a power of attorney letting them know that I give them permission to XXXX the call for me. Why should I have to provide them power of attorney so that I can dispute information that they are reporting. If a XXXX person were to call in and verify all of the correct information they would have been allowed to continue the call. It is discrimination to a huge degree that they did not allow me to dispute my own information all because I had a XXXX XXXX XXXX XXXX  the call for me.
Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX.
I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.
XXXX XXXX XXXX contacted me and represented themselves as Navient, the original loan holder on XX/XX/2018 with the WRONG amount of my loans.

1. Total amount of loan was incorrect ; they supposedly 'double ' checked but they were correct.

2. I thought I was working with someone from NAVIENT, the lender. Now they documents they are sending me, show a different name as the COLLECTOR. 

Please help me, I will end up homeless. 

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX  XXXX, OH XXXX
This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.
On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. 

This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.
I 'm a XXXX vounterable adult and I have a issues with only having a XXXX grade education I collect XXXX since I was XXXX I 'm XXXX now I am being sent to court cous I choose to eat meals an sleep in a warm place It 's spring out now I can live outside an I do n't have do much to pay other than mm u debit my only suggestion
XXXX XXXX sent over an update thread to Transunion on XXXX/XXXX/15 advising to update the status on my credit file for the XXXX XXXX account to paid, closed with no late pays. Transunion has failed to update this information. In addition the Dept of Education also sent over information to Transunion to delete my account but Transunion has failed to act accordingly. The Dept. of Education sent this information to Transunion around XXXX XXXX, 2015 and Transunion has failed to update this information on my credit report. It seems as if Transunion is in the business of keeping credit scores low. It is unacceptable to receive information to update a credit file and it takes them over 30 days to do so. Please see attached thread from XXXX XXXX dated XXXX/XXXX/2015.
My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act.
After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill
I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. 


XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. 

Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. 

XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. 

I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. 

For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. 

I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.
I AM ATTEMPTING TO GET MORTGAGE ASSISTANCE BUT MY SERVICER, OCWEN, IS NOT ACTING IN A REASONABLE MANNER. I WAS DENIED FOR ASSISTANCE IN XXXX WHEN OCWEN FALSIFIED THE VALUE AND CLAIMED THAT BECAUSE I HAVE EQUITY, I WAS DENIED FOR ASSISTANCE. I PROVIDED COMPARABLE SALES AND A REAL ESTATE AGENT OPINION WHICH SUPPORTED LOWER VALUE. OCWEN DENIED AGAIN BUT INVITED ME TO RE-SUBMIT AND REQUEST AN APPRAISAL. I DID JUST THAT. OCWEN ALTERNATELY ACKNOWLEDGES AND THEN DENIES THAT THEY HAVE RECEIVED MY PACKAGE. OCWEN PREFERS TO PLAY THESE GAMES TO WEAR OUT DISTRESSED HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURES AND FORECLOSURE FEES.
Will have to review dates, amounts and actions that I took in response to charge made by XXXX . XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All amounts charged by XXXX . XXXX were disputed both with credit card company and with XXXX . XXXX. Refund was issued by XXXX . XXXX. For some reason the statements that were filed in response to the last complaint issued for not receiving accurate information through online account system regarding payments and not receiving statements regularly included " re-bills '' of the amounts charged by XXXX . XXXX. This was not agreed upon and since the amounts were initially disputed and refunded over at least two and half years ago, they appeared re-billed on the statements in XX/XX/XXXX or XX/XX/XXXX. Again, this is the type of activity that raised suspicion whether or not the balance reported through this credit card company was accurate.
I received the following email from Wells Fargo. This is not my account or my name : XXXXXXXXXXXX XXXX XXXX ( 5 days ago ) to me Dear XXXX : Thank you for your continued business with us. Your relationship is important to me and I appreciate having the opportunity to assist you. My goal is to help you succeed financially and to provide you with an exceptional level of service, while ensuring your service requests are met. 
If you have questions, or would like assistance or information, please call me using the information below. 
Thank you. We appreciate your business. 
XXXX XXXX XXXX ( CSSR, Personal Banker ) Office : XXXX XXXX XXXX Direct : XXXX XXXX XXXX XXXXXXXXXXXX My reply : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 2 days ago ) to XXXX. 
This is not my account. I am not XXXX XXXX. Please correct this. 
And his : XXXXXXXXXXXX XXXX XXXX ( 34 minutes ago ) to me Thank you for your respond, we will correct this right away. 
Thank you again. 
XXXX XXXX XXXX I am concerned because of recent findings that Wells Fargo has opened accounts illegally ; I do have a checking and a savings account with them but not as described in that email. Thank you, XXXX XXXX
My credit card statement from US Bank, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX, showed a balance due of {$770.00}. I transposed, in error, the cents and remitted {$770.00}, a difference of XXXX cents. For this slight error they billed me for {$8.00} in interest. That 's XXXX times the shortfall and it seems ludicrous to me. I called their customer service phone number as I did n't realized that I had transposed the cents and they explained the {$8.00} interest charge was a result of of XXXX cent error, and made no effort to resolve what I thought was an extraordinary interest charge.