WillisBack/dataset-financial-user-claim huggingface dataset:
Last year I got involved with several fraudulent companies that contacted me to sell me their services, that I did not solicited. After I paid the first XXXX, many others were calling me like they were all connected offering me online services related that were unnecessary. XXXX XXXX XXXX was XXXX of them, they called me on XXXX/XXXX/2016 and I was told they guaranteed XXXX leads plus internet marketing, 6 months of advertising, they said the leads were guaranteed, they said they would deliver leads within 180 days from date of payment clears.Did n't receive it. Leads would apply to my website. I paid them {$3000.00} with my Discover card. No other contact, no emails, or calls, etc. They stated I would make money with this opportunity. Have not made a penny.And they disappeared.
Two previous mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) are being held in " unapplied amount '', and my statement is reflecting these as " past due ''. However, the unapplied funds exactly equals the past due amounts. I have contacted the servicing company (  LoanCare ) on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time I was assured the payments would be applied, the second time the agent even spoke with a supervisor. Each payment was for the amount due ( no late charges are due or outstanding ), and no one could explain why my payments were not being applied.
Complaint is with Chase Bank. They 've never kept my notifications up when they promised they would, causing charges to come about unexpected. 
{$60.00} bill was taken out of my account at XXXX I deposited {$80.00} at XXXX Chase charges me an additional {$30.00}, claiming " Because of Time Zones we can charge you a late fee early ''. Account is now negative, at risk to MORE overdraft fees and I do n't have any more money to put in. 
Chase refuses to refund the money, stating " We 've already done it for you before '' Chase Bank is robbing people. Simply put. 
Chase is robbing people who do n't have any money. 
This stupid world is filled with crooked company 's shaking people 's pockets out and taking everything. 

My complaint is simple, but it makes a big impact on people 's lives. The quality of life which is stressed and burdened by scum bag companys is no longer acceptable. I 'm doing everything right and timely yet still being punished.
This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people.
On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.
On XX/XX/XXXX I initiated a complaint against Nelnet in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted Nelnet. Nelnet is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

Nelnet continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames Nelnet for reporting account balances after loans where consolidated XX/XX/XXXX.  There seems to be some conflict between the credit agency and what Nelnet is reporting and I am arguing with the credit agencies and Nelnet.
I obtained financing from Tidewater Financial thru XXXX XXXX car dealer while in the process of filing for bankruptcy. When I obtained the financing I was told that I could refinance the loan in a year. I paid the monthly payments on time only to find out after a year that Tidewater would not refinance this loan and neither would any other lender due to owing more on the car than what it was worth. Had I known that this was going to be the case I would have never signed the loan documents as {$430.00} a month was more than I could afford on a long term basis. When I contacted Tidewater to see if they would modify the note to an affordable payment I was told no and when I asked if they would accept a short payoff they said no, well they said they would accept a short payoff but not release the lien until the entire balance was paid in full which is the same as saying no. I have no problem paying for this vehicle but can not pay {$430.00} a month and feel that I was mislead by being told that I could refinance the vehicle when they knew that they were lending more than what the vehicle was worth at the onset of the loan. I have paid around {$10000.00} on a vehicle that I can only get {$2500.00} for now ( XXXX years later ). XXXX years ago they provided a loan for {$16000.00} at a 25 % interest rate. How can you provide {$16000.00} on a vehicle that is not worth that amount with an interest rate of 25 % knowing that it will be a struggle for the person paying the loan. Predatory lending at its finest. I feel that I have paid them more than what the vehicle is worth and that this loan should be paid in full since I have paid them {$10000.00} and they are stating that I still owe {$14000.00}. There has to be some sort of resolve to this. I had a dealer that was willing to pay me {$5500.00} for the vehicle but because they would not accept the short payoff I had to pass on that offer. Now I am still stuck with a vehicle that is only worth {$2500.00} and they want me to pay {$14000.00} for it. I need help as to what my options are at this point.
I have been disputing XXXX accounts with CMRE asking for Validation of these debts and have sent XXXX letters which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tied to such debt. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first. However should they not take immediate action and delete with the credit bureau. I will be seeking {$3500.00} in damages for : 1. ) Negligent Reporting 2. ) Violation of the Fair Debt Collection Practices Act. 
3. ) Violation of the Fair Credit Reporting Act This is effecting my credit negatively and has been humiliating and embarrassing. I have kept excellent records with all communication for the purpose of filing with the FTC office regarding all non-compliance of Federal laws. 
Before I sue them for violations and other damages I would like to see if this will let them know I take my bills and credit seriously. 

Thank you for your help.
Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX judgement has been paid off and i want it to be removed from my credit report
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.
Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan
The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.
After contacting the Securities and Exchange Commision ( SEC ) I was told that XXXX XXXX  XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was delisted and no longer a security. XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX brought a Foreclosure action v. XXXX XXXX XXXX on XX/XX/XXXX. It is still in Court. XXXX XXXX XXXX XXXX XXXX, Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was just granted the right to enforce this mortgage of {$180000.00} on XX/XX/XXXX even though the Security was delisted by the SEC. XXXX XXXX XXXX complaint is that this is an invalid Asset-Backed Security that XXXX XXXX XXXX XXXX has no right to enforce. The Court of Common Pleas in XXXX issued a ruling in favor of myself ( XXXX XXXX XXXX ) in XX/XX/XXXX, and rescinded the refinance.XXXX  committed a Truth in Lending violation at closing in XXXX XXXX properly and timely informed XXXX to rescind the refinance. XXXX XXXX XXXX was given the wrong Right to Cancel Form for this refinance of a previous XXXX XXXX. I would like XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX to be restricted from enforcing this Note on his residence in Pennsylvania. XXXX XXXX XXXX XXXX was fined {$7.00} XXXX dollars in XX/XX/XXXX. {$4.00} XXXX was supposed to be allocated to reducing Principal and their loan Servicer XXXX XXXX  was fined {$2.00} XXXX dollars recently. Neither entity has offered to help homeowners like me reduce Principal on this invalid Security. Your help would be appreciated.
My name is  XXXX   XXXX  I am a   XXXX   XXXX   XXXX   who obtained private student loans from  XXXX   XXXX  total of {$43000.00}. For my education. I graduated in   XX/XX/XXXX  and  immediately I started making payment from  XX/XX/XXXX  a total of $  XXXX  /Monthly. Here is th e summary of my loans  : 1.   {$66000.00}, Paid in total since  XX/XX/XXXX   2.   XXXX  I have paid in capitalized interest.    3. { $76000.00} is my current balance.  <P/> I tried reaching out to Navient to explain that I am going through financial hardship and I cant pay anymore and if they can settle for $  XXXX , they refused.  <P/> Summary of my situation I have never borrowed money from Navient.   Now I Navient all of sudden started contacting me and telling me that they are  XXXX   XXXX .   They used information I provided to  XXXX   XXXX  and started taking money from me.   At the time of signing my note, I was never told that my loans will be turned to someone else, they never told me what my interest rate is, never told me how and when I should pay it, never told me that my interest rate is variable, and now I am in th is big miss and dont k now what to do.   I am seeking your help in resolving this issue with Navient. At this point I believe that I never borrowed any money from Navient, although I paid all this money to them thinking they are  XXXX   XXXX  but they claim to not be. Please advise me what to do at this point. I am in serious financial hardship and cant pay anymore that what I did.
The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
I obtained a personal loan through XXXX XXXX - XXXX XXXX XXXX XXXX, for a XXXX procedure. The initial XXXX  caused XXXX XXXX issues, and I have had to move to a specialist to fix the damage. The initial XXXX, XXXX, returned the money to XXXX XXXX on XX/XX/XXXX, 2017. As you can see from the attached Documentation, XXXX XXXX XXXX XXXX XXXX XXXX, received the money at the end of XX/XX/XXXX. I  waited to be reimbursed for two months. After two months time I contacted XXXX to inquire where my money was : XX/XX/XXXX - spoke w/XXXX & supervisor to have my refund deposited directly to my bank account by giving them my banks routing number and my individual account number. Given confirmation # XXXX ( which really turned out to be XXXX employee I.D . ). I was told it would be done by electronic transfer, which could take 714 days to complete. 
XX/XX/XXXX- Spoke to XXXX & supervisor XXXX. Asked if any progress had been made in directly depositing my refund to my bank account. I was told it wouldnt be more than another 7 days. 
XXXX - Spoke to XXXX XXXX. Told her that I had neither received the refund amount directly to my bank account, nor had I received a refund check. I indicated to her if the refund was not posted to my bank account by the end of business day yesterday, I would be forced to file a complaint. The money was never deposited. I paid almost 24 % interest on this loan. Is XXXX going to reimburse me 24 % for the additional two months they have held my funds?
I am not employed at XXXX XXXX. I am a XXXX XXXX. Please send verification of change to me XXXX XXXX XXXX XXXX
Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
On XXXX XXXX, 2017, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX XXXX  ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with XXXX. But access to website, and toll-free calls to XXXX  have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their XXXX service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.
Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX  I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.
I was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit
They have cashed all payments and apply to other accounts where I 'm not the co-signer
On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX,  XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XX/XX/XXXX,  XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent inquiries listed on my Experian credit report. The police report case number is # : XXXX.