WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of consumer fraud and identity theft. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Equifax and XXXX has already placed the security freeze and int the process of complying of my requests. Transunion and XXXX are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Transunion and XXXX will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/XXXX
I made an on line transaction towards lodging in Hawaii. I then immediately noticed that the merchants website did not state if the units had air conditioning in them. So I then proceeded to do a chat on line with the merchant. I specifically asked them if the unit I had just booked had air conditioner or not. I stated to them that if the unit did not have an air conditioning in it, it then posed a health problem for my kids. The customer service representative then proceeded to tell me that there was nothing in the website that identified if the unit had air conditioner in it. So she took my information and told me that she would look into it and get back to me the following day. At the same time I called my credit card company and awarded them of the issue. The credit card company proceeded to assure me not to worry and that everything 's going to be fine. The transaction was n't even posted for them to see in my credit card activity. I believe it took several days for it to finally show up so that then they could begin the dispute process. I continued to maintain open lines of communication with both the merchant and the creditor. The credit company continued to assure me that I should n't have to pay for services not rendered to me and gave me a credit back to my card. The merchant however sat on it and allowed time to be of essence. To the point of lying to me about whom the manager was and pretty much shut the doors on my issue. Disregarding any ownership of lack of information on the website including poor follow up on their part. I contacted my credit company and awarded them of the situation including all lies coming from the merchant. At this point my creditor told me that they would continue with the investigation and again assured me that they where going to take care it. A few months went by and I received a letter from my creditor stating that they had concluded not to credit me the full amount charged due to merchants booking policy 's. I called the creditor and then read the customer statement printed on the back of the statement. That states that if at any time I as a customer am dissatisfied with the charges on my account I have the right not to pay. I read this statement to one of the managers and she then proceeded to refer me to their insurance benefits company/department. She stated that they would be able to help me based on medical grounds that I fit the profile. So I called the benefits insurance staff and I complied with the documents required and a few weeks later I was sent a letter stating that due to improper words stating the issue. They decided not to authorize coverage. To be specific. I sent 2 separate doctors letter stating that both my kids have a long term medical condition that interfered with traveling plans and therefore cancelling trip scheduled. 
Apparently those letters are not sufficient enough. I need to add that prior to filling such a claim I asked specifically what the letters consisted of and required as a doctors statement.
I was approved for The XXXX XXXX XXXX Discharge, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX reporting 12 missed payments. 
DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX reporting missed payments. 
XXXX showing XXXX loans with Account Number XXXX reporting missed payments. 
XXXX this account is reporting both open and a collection/charge off which should n't be reporting as both.
Despite several attempts to rectify the situation, first with XXXX XXXX, then with Navient once XXXX XXXX changed their name, Navient continues to apply my payments in such a way to maximize the interest payments and extend the length of my higher interest loans. I have XXXX loans. I try to pay more than the required payment each month. Navient continues to apply the extra payments on principal to the lowest interest loans, while applying minimal amounts of the extra payments to the higher interest loans. If the extra principal payments had been applied equally to all loans, or mostly to my higher interest loans, those higher interest loans would be close to paid off by now, if not already paid off. I even once sent in a {$20.00} extra payment on a separate check with specific instructions that the extra payment was to be applied to my higher interest Loan # XXXX. Navient applied it to my low interest loans instead. I would like to continue to make extra payments on principal, but Navient will not apply the extra payments to the loans I specify. My accounts are in good standing, and have never been in delinquency. I should be able to have these loans forgiven due to the amount of extra interest and payments I will have to continue making due to Navient 's ( and XXXX XXXX prior ) unethical and what I consider criminal behavior. They should be operating to legally minimize students ' interest payments -- not applying payments in a way to profit themselves at a detriment to the payee. This has been going on for close to 10 years now.
I 've had my mortgage with Penny Mac for a few years and have made additional principal payments to bring the principal balance down to below XXXX % original LTV. The PMI disclosure we signed says we can cancel when " the date the principal balance actually reaches XXXX % of the original value of the property. '' Based on the original value of the property, which Penny Mac is using the sales price, we are now below XXXX % LTV. If we used the first appraisal value, it would be even higher. We ordered an appraisal in XX/XX/XXXX through Penny Mac which confirmed our home value increased. There response to me so far has been to deny the request, citing we must have XXXX % LTV of the original value of the home. Our PMI disclosure does n't reference XXXX % LTV at all, and reviewing research on the CFPB web site seems to suggest the XXXX % is an inventor recommendation and should n't be used. Can you please help me clarify? We have met all the conditions needed for PMI to be deleted from our mortgage and continue to get denied.
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, Transunion XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Yes, I have a problem with navient. I had started wi th   XXXX   XXXX   and  then all of sudden it went to navient. The loan I have is a parental loan which I got for my daughter in   XXXX  . I guess my complaint is they are still saying that I owe them money when I have been paying on the loan for 12 years now. I also had  XXXX  Forbearance on the loan in which I tried to pay the interest off when it was in Forbearancestors but they put to the principal and not the interest. I have all the different information they sent me and when I say different I mean different. When I got these loans for my daughter i was a divorced single mom trying to make a difference for my daughter and trying to build credit for myself. So please need your help in trying to figure out what is going on with this loan.
my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
I never authorized my credit to be run and it shows up on my Experian credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.
Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.
While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.
My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX
XXXX XXXX XXXX, In XXXX, NM, Trying to Collect a Debt Owed to XXXX XXXX XXXX for {$2200.00}, I had them listed on XXXX XXXX XXXX Who Was Making Payments for me Since last year, I Just found out that the XXXX XXXX XXXX XXXX, Didn't Take me Out of Collections and After Paying off 30 % of the Bill, That they Were Collecting on Over {$3000.00} dollar 's! So I have Stopped Paying them, Because they are extorting money from me for more than I owe on the debt, This is Illegal and I don't know who are how to do anything about this! But I Want This Debt Ended for What I Have Already Paid and if Necessary Charges Brought Against them for Fraud and Extortion,
I was told to be able to skip a month with Go Financial, I needed to make six payments. I did that and then called and tried to skip a month, JUST ONE because I had XXXX and was out of work, and am the only one working in my home right now. They gave me the run around and gave me XXXX, refusing to allow me to skip a month
I got a {$35000.00} private " signature '' student loan from  XXXX   XXXX  in  XXXX  for graduate school at   XXXX   XXXX   University. I had previously taken out other very small " federal '' loans through  XXXX   XXXX  for  undergraduate  school in  XXXX  -  XXXX  for which I attended a mandatory seminar covering all the rights, responsibilities, and provisions of student loans. This included things like, the debt would be forgiven if I die and there were provisions for forbearance if I should become unemployed or have financial hardship. When I took out the " signature '' loan, I was told that it was a  XXXX   XXXX  education loan like the others I had, but I needed a co-signer. My brother agreed to do that for me. After I graduated in  XXXX , I found out that this loan was nothing like my other loans. I could n't find a job and the only income I had was what I could get from   XXXX   XXXX  . The only " forbearance '' I could get was for 30 days and I had to pay {$50.00} for what really amounted to a 30-day extension, not a forbearance. Later I was told that even that option was no longer available and that there was no forbearance or hardship option at all. The only job I have been able to find since graduating with my  XXXX  is working in a   XXXX   XXXX   part-time for $  XXXX , which is what I do now. I have been paying on the loan since  XXXX  as an automatic deduction from my checking account. I am paying $  XXXX /month on an " income adjusted '' program when my net income is about $  XXXX /month. In spite of the fact that the payment is debited automatically every month and am not delinquent in my payments, my brother gets  DAILY  collection calls and letters from Navient. Then he calls me and is terribly upset, which is much more upsetting to me than it would be if they called me directly. The stress is enormous. I have asked how I can get him released as a co-signer and was told that I ca n't. They said my only option is to take out a loan with another lender and pay off my student loan. I now have to take medication for  XXXX  and  XXXX . My student loans are my only debts. I have no credit card debt, mortgage, or even a car loan. I now owe more than I originally borrowed. This is a nightmare.
My dispute was sent on XX/XX/XXXX and by law XXXX XXXX  XXXX/XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.
I have been trying for months to fix the issue with Capital One. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.
I had a Chevron and/or Texaco Techron Advantage Advantage Credit Card, which is issued by Synchrony Bank ( XXXX ). They failed to reissue a renewal card in XXXX 2016, and then later closed my account. They gave me no notice that they closed the account - I had no idea until I logged in to check the account and found I had no credit line. I have never used this account - not once. When I spoke to XXXX ( Agent XXXX ), she said that they closed it due to " inactivity '' and that they would not reopen the account, but I could apply once again. This is improper, unfair and abusive. Any time the credit grantor closes an account, it is a negative hit to the credit report. I did nothing wrong. I did nothing to violate this company 's trust. Yet, they just caused a negative hit to my credit report.
I disputed the information twice on Transunion as fraud, they investigated and failed to remove. I called the collection company ( XXXX ) and they refered me to XXXX. I called and it was not event my name or social security number, they claimed mistaken identity, yet this was on my credit rating, and I contested this??? What kind of investigation was done, and why is there so much incompetence? XXXX said that I should be getting this removed and a confirmation letter in a few days all I got out of them was XXXX XXXX and XXXX XXXX, in XXXX, TX was where the bill came from. They assured me it was not idenity theft as this person did not have my SSN, was the claim, but then how did this occur??? Please investigate this and follow up # XXXX in the amount of {$780.00} XXXX XXXX.
In XX/XX/2017 the XXXX of our local community Foundation 501 ( c ) 3 asked me to determine a method where donations could be accepted by credit card. We contacted various vendors and discovered that PayPal offered a discounted rate for 501 ( c ) 3 organizations. We contacted PayPal and were told that we could have a link on our website where our members could key-in their credit card information and, after 90 days, we could get a PayPal Here card swipe to use at our events. We opened, tested and implemented the PayPal account and link to our bank account. 
We just passed our 90 days and requested a PayPal Here card swipe. After two days we received an email denying us. I placed a call today to determine the reason and was told that, based on the information in our application, we would never be provided a PayPal Here card swipe, but that " keyed in '' transactions would be accepted. Since they disclaimed they were recording the call, I also turned on a recorder. 
When I inquired as to " why '' we were being rejected, he simply stated that PayPal does not have to provide the reason for denying us this service. I asked who I could speak to and the supervisor stated : " Let me give you an address to our Legal Department. Hire an attorney and take us to Court ; only a Court can compel us to tell you why we are denying you. '' Possibly this supervisor is accurate ; PayPal can refuse service to anyone based on any manner of subjective or discriminatory reasons. I will wait your response to determine if this supervisor 's response is, in fact, accurate.
this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.
I disputed this Bankruptcy information previously and it could n't be verified and was removed from my credit file, I see it has been added back on to my credit file.