WillisBack/dataset-financial-user-claim huggingface dataset:
I am on an IDR plan. I have tried several times to get Great Lakes who is servicing my loan to explain how they are charging me interest and explain why my balance keeps going up instead of down each month. They are charging me interest for the entire year up front on the loan. On top of that they are charging me per diem interest based on the year 's worth of interest and my " new '' principal balance.   I have now figured out that what they are doing is charging me up front for the interest. They set aside that interest amount and all of the payments I make go towards that and only that interest. Nothing I pay extra goes towards the actual per diem interest accruing.     I figured out how much interest I should be charged on the per diem rate and paid over that amount for a month to see what happened. My total balance due and total interest due still went up. Each month they are charging me interest on top of interest.     To be clear - my current principal balance is {$77000.00} which would be an estimated $  XXXX  interest for the entire year. They are charging me the interest up front so that there is no way possible for me to pay it down or off. They have been doing this since I started the IDR and it 's just compiling the interest on top of interest. I had no idea. I 've contacted them several times to figure out why my total balance just keeps going up each month. They have tacked on thousands of dollars worth of interest I had no idea was accruing. And it goes up each month instead of any amount getting put towards the actual per diem rate.     Even at the {$77000.00} balance a per diem rate would be less than {$400.00} for the month. I have a spreadsheet that I use to figure out how much interest I should be charged, but since they have put the interest up front for me to pay I would have to pay over {$5000.00} in one month to get the interest for the year paid off and then they are still charging me interest on top of that amount.   I want my loans either serviced by someone honest or refinanced so that the actual amount I owe is put in place as well as any additional amounts I pay going towards the principal balance due. This is crazy. I am working an extra job to pay down my loans and they keep tacking on interest that I will never pay off.   At the rate they are charging me interest my loans will have a balance of over {$200000.00} within the next 10 years. The original loan amount was {$63000.00}.     Great Lakes is making it impossible for me to pay off my loans or even come close to getting them paid down. I do n't have an extra {$10000.00} to pay towards interest in  one  year. They are using the IDR as a way to make sure that they get all their interest and fees up front. For the month of  XXXX  and  XXXX  I paid over the interest per diem amount on my calculated interest per loan and nothing went to principal and they added additional interest to my principal amount due. They show my balance due now at well over {$83000.00}.
I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I am filing a complaint because Transuion has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Transunion verifying these accounts. Under section XXXX XXXX XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you
I have been trying for 2 yrs with this account XXXX. on my credit report I have never had a XXXX account in my life. 

Also Acceptance now is showing false original blance my total what I purchase was only XXXX so where did balance XXXX comes from I had insurance if I had gotten sick. that 's consider fraud with company.
I tried to open an account with Bank of America and without giving a reason the bank refused to open an account.
the XXXX account does not have any delinquencies, and must not report on my credit report, i have already spoke to XXXX and XXXX, they removed this inaccuracy with the letter that creditor provided but experian has not removed this yet, please have this remove and help me to remove from experian. 
thank you
On XX/XX/XXXX, I sent a wire transfer of {$68000.00} via XXXX XXXX to XXXX ( Part of Coinbase ), which arrived at their bank account in XXXX XXXX NY. The funds were confirmed transferred and a wire return has not been initiated, but the funds were not made available in my XXXX account. 

I 've contacted Coinbase/XXXX by multiple means. I 've submitted a claim on their website, called in, and escalated my case via their services, but have yet to hear back about my money. 

My Case Number is # XXXX, and that should provide all the information that is necessary for the company to identify me and my account.
I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX  states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
It is believed that Capital one has opened an account for someone with a a similar name or possibly one without my consent. This company reported an address to my credit profile in XXXX, NY ( XXXX XXXX ) I have NEVER lived in NEW YORK! Also, I will need this company to delete any negative credit reporting information ( if any ) and delete this unknown address from my credit profile as this could be used to open credit under my name without my knowledge. I will also need capital one to furnish me with proof that it has deleted the address and any reporting information. If capital one can not comply, I will be forced to escalate this up to the full extent permitted by law.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  Calvary Portfolio Services    XXXX   XXXX     XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  Calvary Porfolio Services,  They have made wrong report to my credit report. My original credit is  XXXX   XXXX  account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and Calvary Portfolio recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   There is two reason that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.
I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. 
Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. 
I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. 
OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.
Dear Sir or Madam : I am a veteran, recently I relocated to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
They are calling every day always from a different number for NY XXXX AND NY XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now in XXXX of XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XXXX has been removed because of this divorce. They said a divorce does n't have nay bearing, i beg to differ. 
Via nycourts.gov New York 's XXXX XXXX Law recognizes marriage as an economic as well as a social partnership. The law requires that a judge divide property as fairly as possible. So medical debt should be included, and ever since I have disputed items, things have dropped, because my ex wife will not pay it, so why should I shoulder the burden alone. 

The XXXX Law talks about XXXX types of property for purposes of divorce : marital property and separate property. Marital property will be divided between the XXXX spouses. 

Marital Property : all property either spouse bought during the marriage, regardless of whose name is on the property. Pension plans and other retirement plans are considered marital property. 


Previously in a complaint, XXXX responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XXXX, and I was not enrolled in XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XXXX of XXXX it is not more than 4 years old. 

Also found from XXXX " Collection activities are not permitted and are illegal against individuals who are eligible for Medicaid at the time of their health care service. Any debt collection practices need to stop. '' I was covered by Medicaid at the time. For some reason, XXXX is refusing to research the issue.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30/60 DAYS ; XX/XX/XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.
Early Warning Systems was notified in Early 2018 that I was a victim of Identity Theft. At the time of reporting the incident I listed off the information that was fraudulent and that should be blocked. As the FCRA has laws to protect consumers of fraud. My Wallet was stolen and in my wallet was my social security card, drivers license and even my email address. My Address was also forwarded from these crooks at the time. I reported this to the FTC and sent Early Warning Systems a FTC Affidavit explaining the crime that occurred. Additionally EWS intially blocked the information but later readded it? This information is still fraudulent and I still did not authorize this. Please block the fraudulent information listed for XXXX XXXX XXXX Routing # XXXX Account # XXXX. This account list an address XXXX XXXX XXXX XXXX, TX XXXX. I have not ever lived at this address. It is also important to note I have already reported this account to XXXX XXXX as identity theft. This account was only opened after my wallet was stolen and could not be recovered. You have been notified of the crime and should not be placing fraudulent information back on my consumer report AFTER already blocking. THIS ACCOUNT IS FRAUDULENT. Please block this account, as this is fraud. 

Additionally the Inquiries listed below are fraudulent. These have not been removed and have not been blocked. I did not authorize these either, Also I am requesting a security freeze be placed on my Early Warning Systems Report, as well as a Fraud Alert. 

Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX XXXX  - NOT AUTHORIZED FRAUDULENT. Not Permissible. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX XXXX XXXX - Not Authorized. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - Not authorized. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. 
Inquiry XX/XX/2018 XXXX XXXX - PA - NOT AUTHORIZED.
I'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.
I have information reported on my Equifax credit files and can not access it in order to challenge it as I was affected by the data breach of 2017 and my file is henceforth inaccessible. 

the information contained in the file has numerous grossly inaccurately reported items which have to be investigated and removed, Equifax has this data listed and I need this looked into. 

The accounts that follow are the principal accounts even though their are duplicated accounts from the same companies : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX. account number : xxxxx XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number XXXX XXXX XXXX. account number ( XXXX ) : XXXX XXXX The redacted account numbers are as they appear inside Equifax. 

I have asked them to look into this via Web Mail disputes and have not had the help required. Their are numerous accounts reported in error and I am requesting the right to dispute them.
SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX  in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. 

I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.
I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.
Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX   Issue : Seeking a refund from Bitexpress which held XXXX I deposited on XX/XX/XXXX. This is their process for first time users to protect against fraud as well as simply being a first time user. 

Timeline : XX/XX/XXXX deposited XXXX as instructed from XXXX XXXX to buy a vehicle. Bitexpress allows bitcoin purchase.

They hold money for first time users of their machine to evaluate if a Fraud is detected, which I had no problem with of course.

I talked to a person only 1 time via the phone number that is text only XXXX XXXX XXXX which she said I will be refunded the money ... never told me when. 
Since then I call and call and the XXXX subscriber voice mail keeps saying no one is available I have since then text since the XXXX XXXX XXXX   is text only from Bitexpress XX/XX/XXXX sent my first text ... response ... we will call you shortly which 1.5hrs later after I text again a lady called XX/XX/XXXX I Text again twice ... response is Our team is working on your refund as quickly as possible. You will be notified through text once the check is sent out ... .I asked for a call back and no further response XX/XX/XXXX sent another Text asking why have no one responded ... .No response XX/XX/XXXX same thing XX/XX/XXXX same thing XX/XX/XXXX ... I get a Text ... Terribly sorry for the delay. The refund is already in process and you will receive a text message from us once it is sent out. 
XX/XX/XXXX I text asking if it has been sent out yet ... .no response XX/XX/XXXX I text asking if it has been sent out ... no response XX/XX/XXXX same thing I have my receipts from my Bank withdrawing the Money as well as the receipt from BitExpress
I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.