WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?
I have wellfargo cash wise card since XXXX, my card was damaged so I requested for replace my card in XX/XX/XXXX so I received new card in mail but I never activate this card till today. On dated XX/XX/XXXX I got a text msg from well Fargo fraud alert ( Verify Wells Fargo activity. Card XXXX {$110.00} @ XXXX XXXX # XXXX {$110.00} @ XXXX XXXX # XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ) .I called up wellfargo so the block this card and they said someone tried but transaction declined. I just want to investigate that how come my non active card use by other. How come this card data skimmed by fraud people.I have called up several time to their fraud department but not a favorable response.
This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.
Back when I was a college student in XX/XX/XXXX, Bank of America reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because Bank of America was still reporting me for " account abuse ''. I am confused because five years ago in XX/XX/XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the XXXX entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently Bank of America switched my information with hers. Recently, we visited a local Bank of America branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the XXXX  entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
I was a victim of identity theft and noticed a collection from RECEIVABLES PERFORMANCE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLES PERFORMANCE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I have a student loan on my Experian credit report from the XXXX XXXX XXXX XXXX According to the report the loan began XX/XX/XXXX and was for a term of 36months. Im not 100 % clear on what type of student loan it is.. I know there is one type that seemly never falls off your credit report, but regardless of which kind it is ... 

If the loan began on XX/XX/XXXX then 36 months later would be XX/XX/XXXX and then +180 days would be XX/XX/XXXX. 

According to my Experian credit report the date of first delinquency seems to be XX/XX/XXXX. I think the date of delinquency is wrong. 

Im not familiar like I said with the loan, but no payment has ever been made on it so it is very likely the date of delinquency is perhaps even earlier than XX/XX/XXXX. 

If this is one of the loans that does fall off I think that it should have already and if it isn't I don't believe the date of delinquency is accurate.
I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.
I received a letter from PennCredit Corperation, Penn Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX, stating that I owe {$2300.00} for 2015 Taxes in the State of MD. I have called to discuss and was yelled at by the companies representative while also being told I should not contact the IRS because they won't have the information about the debt due. I have never lived in MD not have I even visited. I assumed it was identity fraud, however the only fraud I see from research into my own social security number is that of this company associating an arbitrary debt owed by myself. As this company has a physical address and employees responding to XXXX reviews, I would appreciate it if your team can investigate the company 's legitimacy. As the company is impersonating a federal contractor, I would imagine that they have been issueing statements similar to mine nationwide and it's quite discussing. This amount of money could ruin somebody's life and cause an extraordinary amount of stress on a family struggling to survive financially. It may be overboard to say, but fraud such as this should be considered an act of public terrorism. 

Thank you, Looking forward to hearing back.
when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years.
Experian after several attempts to resolve inaccurate information listed on my credit profile, refuses to delete inaccurate information. I have provided them with ample evidence to have information removed. Furthermore, they stated that they have " verified '' all the information to be true. I have not recieved any evidence from them to prove their case however. I have contacted the creditors themselves and either they have not replied, or have not been able to locate an account in my name. If the original creditors are not finding my accounts, I am curious as to how this credit bureau has?
I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.
The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.
Hello, I would like to file a complaint to citibank regarding on a promotion that was offered to me in XXXX XXXX. I opened a citi gold checking account ( account number XXXX ) with a promo code " XXXX '' which would give me XXXX thankyou points after I complete two bill payments in two consecutive months. I was confirmed by several citi representatives in XXXX XXXX and XXXX XXXX that I had successfully completed all the requirements and I would definitely get my points by end of XXXX XXXX. The case had been escalated twice this month when I called and as of today, I have not received the points. I got a letter from citi that I was not targeted for this offer which is definitely not true. The offer page clearly stated the promo terms and conditions while I opened the account and citi confirmed several times that I would get the points and told me all I needed to do is to wait till XXXX XXXX. I am so disappointed with citibank as they were just trying to fool people around. While they told people one thing at the beginning, they are playing games and try not to honor the offer after I have waited for more than 3 months and I was charged for {$30.00} service fee per month. This is not a big bank supposed to do and I am filing this complaint against citibank. I will attach the screenshots and the confirmation I got from citi about the bonus points.
My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.
This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.
This complaint is in regards to Wells Fargo. I had made many attempts to try to resolve the issues and catching up with my payments with Wells Fargo. However, things are not working out and I am being given a hard time. As I'm trying to make the payments to them I had ran across some difficulties. While I tried and good faith to give as much as I can to Wells Fargo is still was not enough for them. I was promised by Wells Fargo that they will work with me. However, I started to learn that Wells Fargo was doing things behind my back without my knowledge. 



I am facing foreclosure when I thought I was working things out with them. I had some setbacks. One with my young daughter ending up in the hospital in summer and fall, and having to run many tests for months. Back in XX/XX/XXXX I was hospitalized and needed a XXXX XXXX. I was not able to work for a while and slash or do things that I needed to do the job. Causing me to fall further behind on the mortgage payments. I am still in XXXX XXXX after the XXXX. Which I am currently under the doctors care until I completely heal. 



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on XX/XX/XXXX I looked on my XXXX report and saw a collection for XXXX XXXX XXXX XXXX so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with XXXX XXXX XXXX XXXX so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY
I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient.
I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
I came across this hard inquiry when reviewing my credit report. 

The company is called Capital One Bank USA Date : XX/XX/2017
I have sent several letters to Portfolio Recovery Associates and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
XXXX is {$570.00} XXXX XXXX is {$350.00} both with Portfolio Recovery Associates. Letter sent XX/XX/XXXX. XXXX XXXX XXXX has these accounts XXXX {$330.00} and XXXX {$1000.00}, Letter sent on XX/XX/XXXX.
On XXXX/XXXX/2017 I went to a Chase ATM to deposit {$2000.00} in cash. The ATM ate/took my deposit and broke down on my transaction and did not give me my money back ( I have a receipt proving the ATM broke on my transaction as well ). I immediately called Chase and told them about the issue. Chase opened a claim and after a month of investigating they decided to only give me back {$430.00} from the {$2000.00} deposited. That means they took {$1500.00} and refuse to give it back. I was assigned to speak with XXXX at the Executive office, the phone number is XXXX extension XXXX ( XXXX XXXX. XXXX was very unhelpful and did not follow up with me once. It seemed like she was just waiting to close the case without properly investigating the issue. I would appreciate assistance in recovering my lost {$1500.00}. Thank you.
Opened a bank account at XXXX XXXX was told a few dats later that my account would be closed due to various socials being connected to my account. Was basically told they didnt want to bank with people who committ fraud. Explained to them that the XXXX credit bureaus had my identical triplet sisters who have similar names as me on the credit report. I was told to contact the credit bureaus and get proof they were fixing this issue. Contacted the credit bureaus XXXX, transunion, and XXXX. They stated to me that there was nothing they could do. And that this was not the case. I explained this has been an ongoing issue for years now. I lost my bank accounts due to this error on their part. I have tried and tried to get my sisters off my credit reports as my aliases even explained that we are all different people. I explained that I am married and have not changed my name yet due to having XXXX people on my credit report. I dont want another person added on there. This has ruined my life and is very unacceptable. I can not apply for anything without my sister having access to my peraonal accounts. XXXX is ridiculous. Ive lost so much on this error made by the credit bureaus.
I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.
My address on file with Equifax has a typo in the street name and I have submitted the requested documents that Equifax requires to update personal information. Equifax is stating it can take 30 days to update personal information. Currently no creditors are able to access my credit file with Equifax due to the typo in my personal information. I am unable to resolve this issue with Equifax and I would like the CFPB to assist.