WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a Plus loan for my son and have been making payments regularly. The loan servicer is Fed Loan Servicing with the US Department of Education. The loan is a fixed rate loan with a 25 year payment. I believe that we are in year five of the repayment. My issue is that the amount that is applied to interest and the amount applied to principal is not consistent. There are fluctuations that to me seem that the amounts to each are applied arbitrarily. Here is the payment history for the past six months. I have repeatedly asked the servicer for an explanation but to date have not received a satisfactory explanation : Payment Date Principal Interest XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Perhaps your assistance in this matter could help shed some light on this. I would appreciate any help you can provide and await your response. 

XXXX email XXXX Please let me know if you require further information. 
Thank you
I recently sold my home in New Jersey. I had a home equity line of credit with Specialized Loans Services, LLC which was frozen since XX/XX/XXXX. At closing, SLS requested the payoff amount and an escrow amount which they received. I asked by phone for a refund of the escrow amount and was told to make the request in writing. I requested the refund in writing following their instructions which included sending a copy of my driver license, my new address, and a statement requesting the refund. To date, no refund. Closing on the sale was XX/XX/XXXX. Account number with SLS is XXXX. My numerous phone calls to SLS resulted in redirection to other areas or phone numbers within the company. Kindly assist.
I purchased a motorcycle back XX/XX/2015, which was financed through Synchrony Bank. When closing the sale the representative helping us at the dealership told us the payments would be automated and asked for our credit card information. The first payment was supposed to go through in XX/XX/XXXX, but it never did so I called Synchrony Bank in XX/XX/XXXX to see what was going on and what I needed to do to have them charge the payment to my card. They informed me that they did not process automatic payments via credit cards and that I 'd have to complete and return an authorization form allowing them to withdraw the monthly payments. I completed and returned the form along with a money order for the past due payment. In XX/XX/XXXX I noticed that, again, the automatic payment had not been processed even though I had mailed them the authorization form so I called Synchrony Bank yet again. I was told I needed to mail them the form again and another money order, so I did. After that, I did not hear from them again so I assumed everything had gone through. Yesterday a repo man showed up at my mailing address to repossess the motorcycle - I was not there, nor was the motorcycle so they left a message with my brother for me to call them. Today I called Synchrony Bank to ask what was going on and they told me that my account had been sent to the collection department so they could not help me. When I reached out to the collection department they forwarded my call to the repo department who hung up on me when I requested someone who spoke XXXX since my spoken English is not great.
I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
I opened a direct deposit account with Bank Of America. This is my social security check. When I opened the account they informed me I had to have a savings account - ok ; Then they deduct {$25.00} each month from the checking into the saving =OK. 

Recently I find that they are deducting a XXXX Dollar charge ( {$5.00} ) without my authorization. This has been going on since XX/XX/2017. 

I have spoken with Customer Service, and two bank officers and they inform me that they can not return the charges to my account. 

I received emails from the bank with fraud alerts - so why did they not send me an email about this change. I consider this another form of fraud. 

I want the funds returned to my savings account. 

I appreciate your assistance
I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.
XX/XX/2015 - Moved out of rental property in XXXX, GA completing required move out obligations with property management company XXXX XXXX XXXX. Move out inspection was scheduled after relocation date for my work and rendering me unable to attend. XXXX into XXXX I contacted the Rental Property Manager to inquire about the status of my security deposit return as I had not received it. The manager informed me that I would not be receiving the deposit and in addition I would be responsible for charges that I was until that point unaware of. Requesting documentation of these alleged charges I was hard pressed to recieve anything from the rental property as they had little to no records of my lease agreement the result of an acquisition. I still affirm that these charges were fabricated and illegitimate. Communication with the Property Management Company deteriorated as the Manager no longer responded to voicemail nor was available for conversation. XXXX of the following year debt collection attempts began immediately prompting my dispute letter to the company Fair Collections and Outsourcing, these attempts to dispute the information with them directly went unanswered. See attachment for reference regarding the events that there unfolded.
I had a large   XXXX   service bill from  XXXX   XXXX   XXXX   XXXX  office after finding out that she was not a network doctor and she is not a  XXXX  provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a  American  Credit Bureau, Inc.collection agency. In mid  XXXX   2017 , I began receiving calls from a  XXXX   XXXX  's @  XXXX  or  XXXX  ext.  XXXX . I Had noted this number on telephone up  to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this  XXXX   XXXX  's about the account, and informed about the letter and check to  XXXX   XXXX  's office and that a I did not have that amount to pay off and was on  XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :
XX/XX/2018 Spoke with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Michigan. Balance {$610.00}. Paid XX/XX/2018. Paid collection off for deletion off credit reports.
On XX/XX/XXXX I made a payment of {$300.00} that wasnt accepted do to wrong information on my behalf, I wasnt aware of it until the XX/XX/XXXX payment. When XX/XX/XXXX came around my payment was considered late with late charges. My account was closed due to those situations. I accepted the account being closed, the problem is I wasnt aware til later about the information this negative remark is holding me back from closing on a house. They are not willing to work with me.
On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.
A friend of mine wired {$1000.00} into my account on XX/XX/18 - and Wells Fargo charged ME a {$15.00} " wire transfer '' fee! 
I'm quite sure WF charged my friend a transfer fee as well ... but why would they charge ME a fee when HE initiated the transfer!? 
What scumbags these people are ... Wells Fargo 's recent {$570.00} million fine has obviously NOT deterred their criminal behavior.
I am a victim of identity theft. I sent in certified letters along with a police report backing my claim, I called in, notifying both XXXX XXXX XXXX & XXXX of this situation. Once again I did not attend any colleges or universities after high school but just one time where I took out 1 loan and that was in XX/XX/XXXXwhere I took out a short term loan for {$1800.00}. No other loans on the account belong to me. The accounts we 're removed and placed back on my XXXX credit report damaging my credit once again. OnXX/XX/XXXX I contacted XXXX and spoke to XXXX agent XXXX XXXX, and I explained my situation, i told her I am a fraud victim and my identity has been stolen and used. I went and explain that just a few months back I contacted both XXXX XXXX XXXX and XXXX by mail certified sent over a police report backing my claim that I am not liable for the fraudulent student loan accounts but only one which I stated the amount and date. XXXX XXXX repeated that the accounts we 're removed on XX/XX/XXXX and placed back on my XXXX credit report XX/XX/XXXX. In between XX/XX/XXXX to XX/XX/XXXX is a total of 2 months. I was told to send documents in and it 's been an ongoing situation for more than a year battling this situation. So for 2 months in betweenXX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX did n't report any accounts then XX/XX/XXXXdecided to report falsely errored fraudulent accounts back on to my credit report? I know my rights and under the FCRA several laws are being broken at this time. I contacted XXXX XXXX XXXX and there we 're no documents showing my signature that I personally signed and if a signature was used it 's a bogus signature. XXXX ca n't verbally verify that any account by XXXX XXXX XXXX belongs to me. By law XXXX XXXX XXXX nor any company will ever send out any documents verifying in papers that an account belongs to me. Both companies broke the law and I am leaning towards filing a civil lawsuit in less than a week. If XXXX or XXXX XXXX XXXX continues to place fraudulent errored accounts, lncluding unauthorized inquiries on my credit report I will be seeking damages of more than {$10000.00} at the time of trial. I will be sending attached photos of the inquiries, the errored accounts as well. I am drained, I have now falling into XXXX where this situation has caused serious damage to my health. If this situation is n't cleared up by the ending of the week both XXXX XXXX XXXX & XXXX will be receiving civil suit documents soon. This is n't a threat, I must take legal actions to protect my identit, my rights, and all of my property and assets. I refuse to sit around 30 days for an investigation. It 's self explanatory theirs no reason to investigate something that was already fixed and illegally placed back on to my credit report without any legal verifications or documents. My credit report was damaged by both companies due to the fact of greed and illegal practice. I thank you and appreciate your time. Thank You XXXX XXXX XXXX File # XXXX  XXXX accounts to remain is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00}. Remove all other unauthorized accounts and inquiries Equifax unauthorized inquiries on credit report
Equifax makes you wait HOURS on hold and then those who answer the phone simply hang up on you
On XXXX/XXXX/XXXX, Equifax notified me that personal information including my SSN and credit report had likely been leaked as part of a cyberattack. They informed that I am now at risk for identity theft and fraud. This is information that I never directly gave to Equifax, so it is especially egregious that they allowed my information to be shared with the unknown cyberattackers. Equifax 's proposed resolution was to offer me a year subscription to an identity theft monitoring service, subject to the acceptance extensive terms that limit my options for legal recourse.
I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both
I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.
I made several purchases at XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX on XX/XX/XXXX I returned some items and XXXX XXXX XXXX XXXX refunded back to my card XXXX. I XXXX on XX/XX/XXXX to advise my credit has not appeared on my bank account I spoke to a manger XXXX who researched the transaction and confirmed everything posted successfully on their end I tried calling Citizens for 2 days each time got uneducated reps from across seas who gave me the run around. On XX/XX/XXXX I filed a XXXX XXXX XXXX complaint because I still have not received my credit and keep getting the run around from citizens, On XXXX a representative from the office of Chairman contacted me and said they were looking into my issue and would get back to me and have my account credited ASAP I was also asked to email a copy of my receipt confirming the transaction from XXXX XXXX XXXX XXXX I did this within minutes after hanging up with the rep from the office of the chairman. I called citizens on XXXX after being on hold 22 minutes from a rep from across seas was told my call could not be transferred to the office of the chairman someone would call me within 2 days UNACCEPTABLE SERVICE! I am beyond frustrated Citizens has not resolved this issue or contacted me for a resolution! The service at this bank is TERRIBLE I have been a customer for years and most recently with the service I have experienced will be looking to do my full banking with my current credit union! Citizens needs to post my refund IMMEDIATELY! Once again I am attaching my receipt from XXXX XXXX XXXX XXXX!
I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 
2 ) The app malfunctioned and deposited it twice. 
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 
7 ) A week passes ; the money never reaches my wife 's account. 
8 ) I call Ally every 2 days. Customer support assures me they are on their way. 
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX  on the XX/XX/XXXX. We have had no updates since then. 

Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.
CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company
This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on Experian credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Credit report form XXXX XXXX XXXX XXXX shows delinquent rental history of {$100.00}. Called agency reporting delinquent account, BYL Collection Services, found out it is a delinquent account from XXXX XXXX in the amount of {$100.00}, for which I have never received a bill. BYL says that I needed to contact XXXX XXXX. Contacted XXXX XXXX, they could not correct the error stating that it was a utility bill and not a rental history report, I needed to contact BYL. I explained that BYL said I needed to contact XXXX XXXX. Neither company was able to correct the error. Contacted each company XX/XX/, talked with XXXX at BYL and talked with XXXX at XXXX XXXX. Talked with XXXX at XXXX XXXX XXXX XXXX on same date. Nobody was willing to correct the error and kept passing me from one to the other and each saying I need to contact the other. Need this resolved to show it is a utility not a rental history of delinquency. I am not disputed the amount, I did not know about it and I am willing to pay as I stated to XXXX. She is sending me a bill.