WillisBack/dataset-financial-user-claim huggingface dataset:
I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. 
Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.
On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by Cavalry SPV I , LLC. I was  going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from XXXX & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.
I have been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX  XXXX XXXX XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
I submitted a stop payment order to my bank ( US BANK ) on XXXX/XXXX/2017. They charged my account XXXX and the fee was paid. On XXXX/XXXX/2017 the withdrawal was taken from my account in the amount of XXXX -. The bank acknowledged they did receive the stop payment order in time but said the merchant put the withdrawal in by another way they changed their name - XXXX XXXX previous withdrawals and this is the way they put in on XXXX/XXXX/2017 -XXXX. Payment was not reimbursed by bank instead they refunded the stop payment order of XXXX to my account. What can I do? Because of the stop payment order I am unable to pay my rent ... Need help.
Last year I purchased exercise equipment from Sears. The salesman told me that I would get 6 month of interest free if I applied for a Sears credit card and used it for the purchase, so I did. I paid the credit card off in full within six months but I was still charged interest. This year I purchased tools from Sears and the Salesman said I could get the same offer ( 6 months interest free ) if I used my Sears credit card. Both purchases met the dollar requirement to receive this offer. I am currently being charged 26.74 % interest on the tools I purchased. I called the number on my statement ( XXXX ) and spoke with a Citi Bank Mastercard representative. She told me that they don't have that promotion and there was nothing she could do. I would consider this a UDAAP violation.
XXXX  is incorrectly reporting me as an Authorized User on Chase card ending in account # XXXX. I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX  and XXXX have removed this from my report but XXXX  has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
On XX/XX/XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XX/XX/2017 ; the account was removed after all requested documentation was submitted then on XX/X/2017 the account without notice was re-entered on XXXX and Experian file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.
In XX/XX/XXXX, my TransUnion FICO score dropped from XXXX to XXXX and has since declined to XXXX by XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to understand why my score dropped. The customer service rep and manager said that my dropped because of my " delinquent '' ( closed ) account from XX/XX/XXXX, and that I have several student loan accounts that recently have been closed. 

I explained to the manager that I paid-off the loan on that delinquent account back in XX/XX/XXXX/XX/XX/XXXX and that my score was previously impacted by the delinquency in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They responded that the TransUnion algorithm can choose to re-include that account in my FICO calculation. This effectively penalizes me multiple times for one delinquency. 

Regarding the student loan accounts, the manager said that I am being penalized because those accounts were closed. I explained that I paid-off all my student loans, that is why those accounts are closed ; I went on to explain that paying off my student loans makes me more credit worthy and confused why that would negatively impact my FICO score. 

They offered no resolution for my above arguments.
I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my credit report.
yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.
I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand.
Wells Fargo Home XXXX XXXX Credit Card Program payment calculation is deceptive beyond belief ( it is so complicated it is hard to explain it all ). We used their charge card in XXXX for windows at 0 % for 60 months no interest if paid off after 60 months. The payment was divided among 60 months. In XXXX we added a charge for Blinds that was 0 % for 12 months. What they did not explain is how the payment was calculated for the XXXX different terms. We paid every payment for every charge on time until the last charge. We did not realize that the term was slightly different for the 12 month term. The 12 month " special rate deal amount was deferred interest, Wells Fargo only billing the minimum payment not dividing into XXXX equal payments which we would have paid off after 12 months. Instead the charge ( minimum pmt ) was combined with the 60 month term, but the statement did not show what was getting paid, as it is not separated on the bill. After 12 months it was n't paid due to misunderstanding the terms, therefore we were charged the entire year of astronomically high interest. Not only did it leave a larger balance than anticipated, but the payoff for the 12 month term was only giving the amount for that charge and did n't add in the payment for the 60 months. The interest rate immediately jumped from XXXX ( as if that is n't high enough - since our credit score is in the XXXX range ) to the 28.24 % If we had realized and paid the entire amount, we would then be short for the 60 month term because that amount is listed in small print in a separate sentence, so technically we 'd be in default on XXXX payments. The online payment option makes this very easy to overlook because you need to open the statement to realize that the Special Terms balance is due. The charge was put in my name, but my husband was paying the bills. You need a computer accounting program to figure out how the Wells Fargo bills the charges. Wells Fargo said it was up to the merchant to explain the credit card terms. We always make our payments on time and we even got caught on this XXXX. I would recommend never adding XXXX different terms to the same account. We paid off the balance today and will never, ever use Wells Fargo or any other " Big Bank. '' We are so upset because this is pretty much close to scam as far as I am concerned. The amount due to avoid interest should be on the front page with the bill, not on the second page in a paragraph format.
To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX
XXXX. 
This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name
I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
XXXX XXXXXXXX XXXX is reporting erroneously on Experian, XXXX and XXXX   credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( experian has this correct ) but XXXX was 60 days late, XX/XX/XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXXXXXX XXXX  should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
We requested mortgage assistance that would decrease our monthly payments and remove our delinquency ( such as a modification ), instead we were offered a repayment plan that doubled our monthly payment of {$1300.00} to {$2700.00} and had a balloon payment of {$13000.00} at the end of twelve months. We are having financial hardships and have had since XX/XX/XXXX when my husband lost his job because of the global financial crisis of XX/XX/XXXX. We have been going back and forth with Select Portfolio Servicing since to receive an affordable house payment. They did lower our payment from over {$2200.00} ( more than our income ) to {$1300.00}. Even though they lowered our payment, the new payment had a debt-to-income ratio of 70 %, leaving us without enough money to our bills. For over eight years we had built up debt to friends, family and neighbors that loaned us money and have struggled to repay the loans. Our mortgage servicer SPS has continually told us that there are investor restrictions preventing them from giving us an adequate loss mitigation program. We have read the pool servicing agreement and do not see this restriction. They also had claimed to participate in HAMP but treated all our HAMP applications as a non-government request and have not acknowledged that our request were HAMP. They also claim that there are investor restrictions against a HAMP loan as well. We submitted XXXX HAMP applications at the end of XXXX and were turned down on both. We are very tired of this ten year run around and wish to resolve our problems without losing our home.
I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017
Back in XX/XX/XXXX I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # XXXX for which Wells Fargo said I was denied back in XX/XX/XXXX now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a XXXX XXXX XXXX Ext XXXX tells me that i was accepted for a loan Mod but I never received the paper work back in XX/XX/XXXX because they could never find my paper work. So which one was it Denied? or Accepted? Funny that back in XX/XX/XXXX/XX/XX/XXXX they could never find my paper work until recently I was told that back in XX/XX/XXXX I was denied, Now they are saying I was approved but failed to sign and return their paper work for which I never got. This XXXX XXXX must think I'm an XXXX My question is if they could never find my paper work until recently XXXX minute I'm denied in XX/XX/XXXX and then in XX/XX/XXXX I was approved. All Wells Fargo wants to do is play games with people so they don't have to pay up. XXXX told me I short sold my home on Bad advice since I was approved They never could find my paper work. But Wells Fargo kept accepting my partial payments. XXXX called me on XX/XX/XXXX to put me down.
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.
On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Rec 'd email statement saying my account was 2 months overdo. This is the first email I ever received from this store - I always pay my bill on time, and never carry a finance charge. Paid my account in full that day. I have been a credit card holder since about XX/XX/XXXX. They have reported me to credit bureaus and basically are saying that I am lying - that they sent the previous statements by email and there is no way that there could have been a mistake. I have checked my entire email account - trash, spam and messages rec 'd and sent. Nowhere is there a record of them sending previous statements for that month - bill was for XX/XX/XXXX ( Amount {$150.00} ) Why is there no consideration for me - as a responsible credit card holder - why is it assumed that I am lying? I have cancelled my credit card with Bloomingdale 's but I would like to protest their unfairness.