WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure
I closed my credit account and paid in full. A purchase came through after the account was closed - which was fraudulent. The purchase amount was around {$15.00}. I attempted to report the fraudulent purchase over email and the over the phone and was unsuccessful 5 times to either stay on the phone with customer service ( disconnected twice ) and over email they would not allow me to resolve. At this point - I have paid the balance in full - multiple times. So that {$15.00} purchase amounted to over {$150.00} in fees for late payment. It seems out of this world. Although they said that the amount while under dispute would not accrue interest or fees - that is not how this has been handled. I just wanted to close my account.
Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial. 
I am submitting documentation from TD financial and XXXX ... ... ... ..
On XX/XX/2018 I contacted Experian to update the contact number on my credit report, under the fair credit reporting act it states that consumer reporting agencies must correct unverifiable and inaccurate information. This was stated on a recorded line at XXXX XXXX  EST with call center supervisor XXXX from XXXX XXXX. I verified myself and provided a report number and she was unwilling to assist.
I recently changed to XXXX XXXX. Equifax shows two hard inquiries on the same day to XXXX. Obviously there was only one, but they can't seem to figure that out, I have complained but they have a bizarre security system and won't let me see the result. I have seen no change in my hard inquiry count.
HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME
I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. 

I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.
My payments are being made as they wised. I only owe a little over  XXXX  $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
Company started calling twice a day, now they are calling four times a day each day. 
They are calling without identifying both the name of the creditor and the name of the person they are calling. 

If I answer the phone, they stay on the line without saying anything. 

A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. 

I have no idea why they are calling.
Requested a credit report online. It was nearly impossible to determine what the cost of the report was. There was lots of wording anout a credit monitoring which I didnt want. But Experian somehow signed me up for a monthly fee which would be well over {$260.00} per year. Apparently, I was given a 10 day trial period. At the conclusion of that time, I was billed XXXX. The issue here is really about how skillfully Experian hides and manipulates those requesting a credit report into their very expensive and mostly useless service. It is a fraud that for most people may be unknown for many months until they notice the charges on their checking statement. This tactic is used by Telemarketers constantly and has no place in credit reporting. I contacted Experian and after XXXX phone calls, they flat out refused to credit my debit card. It is clear that this is a cleverly executed scam, designed to confuse and siphon more dollars from unsuspecting consumers, especially XXXX. This must stop.
I am receiving harrassing and abusive phone calls from a debt collector that is currently being paid through a law firm. They are also harassing a family member of mine.
We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.
XX/XX/XXXX the talked to SPS select portfolio services to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with XXXX please fix. XX/XX/XXXX the per attached pictures said late changed to current per SPS Last night XX/XX/XXXX SPS select portfolio services hit my credit with XXXX again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem
Navient is overcharging me in interest. I was told by a rep. that my interest is forgiven because I 'm on income based repayment loan. I asked them several times what can I do to lower my loans and interest. Unfortunately, they told me that there 's no way but to continue to make payments. I 'm a XXXX that recieveshe no government assistance and can barely survive. I need help please.
We received an initial collection letter in XXXX. Upon receiving the letter, we replied by certified mail and we requested validation of the debt. During this period, all collection must cease. We have since received another collection letter dated XX/XX/XXXX, attempting to collect the debt at a reduced amount. We have yet to receive the requested validation.
I have  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.
Last year I was solicited by a XXXX XXXX Representative at a XXXX location for a quote for internet, phone, and TV services. I explained I did not want services as I had just moved in the home and would quote competitors. I provided my name and phone number only. This " gentleman '' went on to use a FAKE / FRAUDULENT SS # as well as setup an installation for that following week. I came home to an installed service that I never once asked for. 

Upon calling XXXX XXXX support, they had a hard time verifying my information beyond my name because of the fake information input, including SS, email, and pin. This is reflected in the notes of XXXX. ( I just spoke with them. ) XXXX XXXX agreed to remove all liability on my account {$100.00} once their equipment was returned. I returned their equipment as confirmed by the representative ( XXXX ) i just spoke with. 

I am unsure why Convergent has this 'debt ' since not only do I not owe it, but the contract was null and void the day the service began. I was paying month to month, and fell behind only when the services they promo 'd me for my 'inconvenience ' were not removed ( XXXX/TV ) and I was billed for them. According to the representative there is extensive notes from the beginning explaining all of this. My account with them was settled completely as of the date of Convergent purchasing my debt for less than {$10.00}. ( XX/XX/2018 ) - More than a year and a half after closing that account in good standing.
Paid account off with Regions. Now months later they are charging me a {$50.00} fee plus late charges on a paid account with no credit available. Account should be closed but they continue to keep it open.
On  XXXX  I received a phone call from a collector at  Wells Fargo  regarding my account that was past due. I told the collector I paid a small portion ( what I could afford ) over the weekend and she said " yes, but your account still has  XXXX  dollars that 's past due. She repeatedly tried to schedule a payment and I told her I would pay when I had the money to. She pressed again and again, and when I caved and told her a date, she started pressing about scheduling ANOTHER payment after that  XXXX . I told her I was uninterested and that I 'm going through some financial hardship right now and asked what my options would be. She did not answer my question, and continued to ask why I would n't just let her schedule the payments. I told her because I could n't guarantee the funds in the account trying to pay the balance. I eventually hung up on her because she was insistent and I was just outside, enjoying the evening, pushing my son on his tree swing.
The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. 
XXXX XXXX, North Carolina
ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.
I paid my car loan off on XXXX/XXXX/2015, Kia Finance stated they would send me the title on XXXX. Instead, they sent it to my XXXX XXXX XXXX mother in CA ( we are XXXX on the loan to get lower interest. ) They refused to send it with tracking, and it is missing. They have refused to replace the title that is lost, leaving me no way to sell the car. They said they would send me a lien release, but offer no solution when that gets lost, and they refuse to track the document.
This is a complaint against PayPal Credit for an unauthorized hard credit inquiry. It is not a complaint about sending money. 

I recently applied for a home mortgage and was surprised when my lender questioned an inquiry on XXXX/XXXX/XXXX from XXXX/PPC which I later determined to be XXXX/PayPal Credit. While I do maintain an account with PayPal Credit there had been no activity on my PPC account around the time of this *unauthorized* " hard '' credit inquiry. Additionally, my balance with them at the time was {$0.00}. 
This hard credit pull caused a delay in my securing a mortgage and I had to sign paperwork at closing attesting that I was unsure of the nature of the inquiry. Companies ca n't just randomly pull " hard '' credit inquiries, can they? 
Around late XXXX XXXX or XXXX XXXX I logged into my PayPal account and sent a message via their secure message center demanding an explanation of the inquiry. I never received a response. Additionally, messages older than 90 days are not displayed on the message center.
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect {$2300.00} for XXXX. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on XXXX XXXX. I opened a payday loan with XXXX the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. XXXX replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According XXXX, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can Real Time Resolutions, Inc. open an account after 4 years of opening?
Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment.
XXXX XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX  XXXX  they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
XXXX  crammed charges on my billing account by adding premium text messaging charges. There is a lawsuit with the  XXXX   XXXX   XXXX  against  XXXX  and other carriers for adding unauthorized charges. I did not pay my bill and  XXXX  reported my account to  Diversified Consultants Inc  for {$740.00} on  XXXX   XXXX    XXXX  . I have tried to dispute this account but they do not wo n't to remove the account nor fix the billing issue.
I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.
I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.
I receieved a notification from my cred report about an increase in my auto loan. However, i paid ahead on my account for several months. I paid all my late fees off over s period of time. Now, Chase is saying I owe XXXX in fees. I have n't had a fee on my account for at least 8 months. Additionally, I been paying XXXX dollars extra monthly to take care of any out mstanding fee. I tried to call chase about the matter the representative on the phone tried to give me an excuse saying sometime they forget to put it on there. I explained to him I did n't believe that statement. Any other time it 's placed on the account 10 days after its due.
On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.
XX/XX/XXXX I received a levy for a debt collection company called XXXX XXXX XXXX They had advised me that they has took all of our funds from mine and my wife joint checking and savings accounts zeroing out the balances now my bills have been returned for NSF. I have no debt or contract with this company I'm not sure why they are harassing me for a debt that doesn't belong to me. They will not return any of our calls in regards to debt it goes straight to voicemail, So if I wanted to make arrangements on this debt if it was my debt which it's not they had no intentions to work with me and they still would have taken every dime I had. I pulled up the case in the Missouri Case net case # XXXX and it showed this was a debt starting in XX/XX/XXXX. I called and left numerous messages and no one has responded and now being the XX/XX/XXXX. They are not willing to discuss the account with me because I do believe they are aware this is not my debt and took my funds anyway. Then they say the original judgement was for {$5900.00} they have doubled the amount of the debt adding post judgement interest of {$4600.00} for a balance of {$10000.00}. I have knowledge of charge off debts and I'm well aware that they didn't pay the original balance of {$5900.00} to try to collect this debt they are a 3rd party vendor and the original creditor sold this account to them for pennies on the dollar due to the fact they already charged off the debt and took their loss. 

This would be the same company that filed this same case under a different case # on XX/XX/XXXX Case # XXXX XXXX and filed a transcript judgement in XXXX County court for the amount of {$5900.00} plus court cost. This company is being deceptive and have horrible business practices. I would like my funds returned this is not my debt. 


Thank you, XXXX XXXX XXXX
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX  XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
I opened an account with Citibank last year with the understanding that I would receive a {$400.00} account opening bonus after meeting certain requirements. I confirmed with the call center in the bank that I met the necessary requirements to open my account ( which included depositing and keeping {$10000.00} ). They were not able to confirm the date that I would receive my bonus. I have called back multiple times and either been on hold for too long ( 1 hour ) or been given unclear information. When I 've called the bank, they 've taken 25 minutes or longer, including transfers to supervisors, to even locate the promotion on my account. The promotion code itself was never given to me, as I signed up for this online. 

I would like your assistance in retrieving this reward. Thank you.