WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX
I am XXXX XXXX XXXX and have had a student loan on my son for about 16 years now and I pay back on it regularly. I now owe 'more ' on the loan than the original amount borrowed. The way interest is applied to the principle makes it go down very-very little. I have tried numerous times to work something out, but to no avail. At this rate I would die before the loan is paid off. What good would this be for anyone. Would n't it be more beneficial to have payments doable for the borrowers and have the loan totally paid off??? Also, the monthly payments are not doable for me as I am now fully XXXX and managing on a fixed income. I have served my Country in the XXXX XXXX for over 10 years and have been a XXXX for over 15 years. All this is to no avail on my behalf from any of the repayment plans on this Student Loan Program I request the loan be more doable to me to repay. The College Loan programs need to take a serious look to reduce debt in a more doable way as currently it is not doable for most Americans. There has to be light at the end of the tunnel on student debt. I do not see how the current college students will ever be out of debt at the current rate of interest being charged and the way it is applied to the principal. 
If we want the youth of America to receive College Degrees XXXX in order to be able to compete in the world employment markets something needs to be done now! 
But again as for 'me ', I would like to get my loan payments reduced, interest rates reduced and ( so to speak ) light at the end of the tunnel.
XXXX  charged my card twice without my authorization, first charge XXXX and XXXX..i have disputed this with capital one and they credit my credit card and then 90 days they re billed me for the same charges, i told them over and over that i did not authorize this charge and they refuse to credit my credit ... .this is unethical ... .i did not authorize the charge, and i did not receive any merchandise as well ... i want those charges refunded back to my credit card ... they sent me a bill from XXXX and the bill did not have my name on it and did not have my address on that bill, so i do not know why they refused to adjust my account correctly
I bought a new XXXX XXXX XXXX from XXXX XXXX dealership FL. When I bought the vehicle I traded in XXXX  XXXX XXXX. Within one month after buying the vehicle, the car had a dangerous brake failure while driving. I brought the vehicle back to the dealership and requested to take the car back. I requested to return back my trade in value vehicle or equivalent. My request was verbally denied. I understand that brake failures can happen but it was a new vehicle with less than 1500  miles. The remedy I am requesting is to cancel the contract without any negative impact on my credit standing with full recovery of the trade in value amount. 
Regards, XXXX XXXX
Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.
On XX/XX/XXXX I spoke with Experian representative XXXX. He stated that he was in XXXX XXXX. During this call, I voiced my frustrations about not receiving results on disputes that were submitted beginning in XX/XX/XXXX through presently. I have countless documentation on the disputes submitted. After voicing my concerns, XXXX obtained further information on the accounts that I disputed and stated that he will be deleting them from my credit report. 
He also indicated that he will be sending me an updated credit report within XXXX business days. 

On XX/XX/XXXX, I spoke with a female representative of Experian who explained that XXXX basically lied and only removed " comments '' from those accounts. He specifically told me that they would be deleted from my credit report because I explained how they were inaccurate and the fact that they violated the FCRA by not responding with proof of the disputed information within XXXX days. 

Recently, I submitted further information to Experian and would like for them to delete the inaccurate, fraudulent, and unverifiable information from my credit report.
We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.
I sent a CERTIFIED MAIL DEBT VALIDATION letter to XXXX XXXX XXXX requesting that they VALIDATE NOT verify a debt that they are attempting to collect from me. I specifically asked for a singed agreement and other supporting documentation. They provided me with account summary which does not prove i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted asap. I have no obligation and or contract with them at all. They have failed to provide proper documentation in the 30 days also. They have failed to show me a sign document where i have applied and sign for it also. 15 U.S. Code 1692c states ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given any company above written consent to contact me about alleged debt.
I 've been subjected to paying interest on amounts that are much much higher then the actual amount of principal i was supposed to be paying interest on. this has been a systematic problem almost every month this year. 
I.E. : In attached statement of XXXX 2015 i had a balance of {$5600.00} on which i paid {$5500.00}. the total amount i would have been subjected to pay interest would have been {$140.00} HOWEVER the balance that the bank charged me interest on was {$4700.00} which means over 3000 % ( XXXX percent!!! ) more interest then i was supposed to pay. this systematic overcharging has happened almost every month this year. i 'm sure that this is something that many less then vigilant consumers had not paid attention to. 
this specific month- i contacted the card issuer and was refunded the over-payment HOWEVER- i was overcharged outrageously every month since as you can tell by the statements I 've attached.
I tried returning my rings at Kay jewelrs and when I showed up before these charges took place the store manager ignored me.and she was n't trying to take them bad so I ended up holding them until recently when I made them take it back because she tried ignoring me again. I made a XXXX $ payment at the store and it was never on my account. These people XXXX with you and your account. In between the that time afternoon tried returning the ring I called kay jewelrs to set up a return time and the lady did n't no what she was doing at all and she did n't even know what I was talking about so I sat 2 1/2hours on the phone for nothing it 's like they try and make you keep the rings. So all around it was game after game. I was also told by the store manager that I did n't own them anything at all and now I 'm being charged XXXX $ or so. So unprofessional and these charges shouldnt be there if I was told I did n't have to pay anything. I want this problem to end with them and they leave me alone!!
THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXX OF XX/XX/XXXX TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.
I am a   XXXX   XXXX   XXXX   XXXX   in  XXXX . I   XXXX   XXXX  , and usually the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     When I deposit a check  at Wells Fargo, the y put a 7 day hold on the deposit, even though federal and state law require escrow accounts from  XXXX  and   XXXX   to be fully funded for any checks they write.     They use my money, for 7 days, and I have no access to it. They are committing a fraud, because if the money is there, is wire transferrable, and they wait 7 days -- it 's immoral, and should be illegal.     It should have to be available in  24 hours. We do n't live in the Middle A ges.     Thanks,  XXXX   XXXX   XXXX
Trans Union and XXXX are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.
I gave Equifax online dispute site the information required. they asked XXXX questions of which I checked " none of the above " to all as nothing applied to me. then they wanted me to fax a copy of my drivers license, I have n't had XXXX in 20 years and do not ever plan on getting XXXX. I have had some issues with identity theft in the past, but was caught before any damage occurred, by my bank. So I do n't know how to deal with this item that say 's it 's a " Legal Issue ''
hi my name is XXXX. I have a paypal account in my name as previously stated. I currently opened a paypal account to receive funds from my daughters father. ( we are not married or live together ) I only use paypal to make small online purchases like kids school uniforms, groceries, etc..and to receive money for my daughter.I opened my account on XXXX XXXX and XXXX XXXX they limited the access to the account with no further information posted only to call them. I called them and refused to give me any further information besides that my paypal account is limited and I asked repeatedly for answers on when my funds will be released. AGAIN THESE FUNDS ARE LEGAL FROM MY DAUGHTERS FATHER AND HAVE BEEN CLEARED BY PAYPAL. yet they want to hold them and make me responsible for his paypal account in bad standing. we do n't have the same last names, we are not legally married, we do n't live together so what does that have to do with freezing my account and the availability to withdraw my funds if this paypal account is solely mine. this is illegal to do so. I will be filing complaints electronically and on paper certified in the state of florida with the attorney generals office, the bbb and the united states federal reserve since paypal is n't a bank these complaints are looked into by them.
TransUnion XXXX and XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong my credit.
I have submitted a cease and desist letter to Synchrony Bank by certified mail and received a signed receipt back dated XXXX XXXX, 2015. I have XXXX accounts with them and the letter included all accounts. Synchrony continues to call me several times a day to demand payment. I have blocked the number but the phone still rings to alert me to the call.
My loan was managed by XXXX which I made payments to regularly. And since a week ago a campaign of annoying calls not leaving messages, from unidentifiable sources and not explaining the reasons of the harrasing calls for hours a Day were made by a company Called Navient or XXXX, I called them and they are asking me to pay them further more threatening me with collection and legal lawsuit, for what they claim is a XXXX dollars payment. 

Not only this sound like a scam, all my automatic payments are set to my loan providers in file, I have never been informed of any new loan provider and I have let them know they need to properly have the old loan provide to inform in writing who the new loan service provider are. 
How would it be possible to identify who your student loan providers are when they pass it around without care. 
My loan provider was my bank XXXX XXXX whom we have business with the reason we sought a loan with them to abound the endless scamming that goes around when one is only trying to study and improve one life. 

Please set an example against this predatory and hassaring behavioir for once. 

Should you require further information please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
On XXXX/XXXX/2014, my formerly adjustable rate mortgage was modified, at great expense to me and improperly, in my opinion, but that is water under the bridge. Since modification, Ocwen, the loan servicer, has failed to maintain my escrow account properly or provide me with monthly statements, force-placed insurance without reasonable basis, paid real estate taxes that were not due ( I am elderly and have a real estate abatement from my city ) and then jacked up my escrow account to recover the funds and just generally made my life miserable, resulting earlier this year in a foreclosure notice, notwithstanding my loan history of timely ( early, actually ) payments over 14 months following the modification. I had to file Chapter XXXX and they are continuing the same malevolent path, refusing to file a claim but objecting to confirmation of my plan using an outrageously false statement of arrears ( which ONLY have developed since they improperly began rejecting my payments in XXXX of this year ). I want you to make them analyze my escrow properly, give me credit where it is due ( we have sent them innumerable communications to which they just talk over and keep saying they 're right and I 'm wrong when I am not ).
We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees
This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.
Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.
XX/XX/2018 XXXX reported my account as delinquent for a mistake in the system regarding a typo of my bank checking account number. I was not aware of delinquency until it became late. I called XXXX   and was guaranteed by representative that the account would be corrected and no negative information would show. I made a large payment of {$250.00} in an agreement to bring account current. I was told that my account was current and in good standings. I have never been late with any of my account and I have paid off three vehicle loans. My credit was perfect until XXXX  went against our agreement, to remove all negative reporting, due to a computer error. My credit history shows that I am a worthy responsible customer with an impressive credit history .I have disputed the error with XXXX on two occasions, both times denied correction. I have disputed with XXXX three times, and each time XXXX completes the dispute within a few days. XXXX also does not delete the negative remarks, I find it difficult to believe that my dispute was handled correctly in a fair fashion. I submitted documents, that I believe were not reviewed, it seems like my dispute was handled by an automated system, that just denies the consumer AUTOMATICALLY. I asked for deletion of negative reporting with all three bureaus. I am reaching out for assistance as I believe I was treated unjustly and unfairly and basically lied to. Thank You
I have disputed XXXX several times. I provided XXXX and Transunion with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.
information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.
I had a tax lein from back in XXXX, originally reported about XXXX. I have paid this lien ( XX/XX/XXXX, when i bought a house ). The XXXX court XXXX XXXX XXXX, FL ) shows it as paid. and on XXXX it is reporting correctly. I have talked with them and they say Equifax does not call, just goes on the court website and they do list XXXX documents, but they are not XXXX leins. XXXX is the original lein, XXXX is the payment notification from the IRS, and the XXXX is the release of lien. 
Equifax , on the other hand refuses to update the original lein to paid, even though I have submitted copies of the original lien, the payment, and the release. They state they must report all XXXX as public records and do so and mark them all as unpaid, which has dropped my credit score over XXXX points as compared to XXXX. I have filed XXXX onlline complaints and they refuse to address this oversight. I posted a comment / explaination to my credit file and they wont add it to the case either.
This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.
an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.
Wells Fargo added an insurance policy to my account in or around XX/XX/2016. I believe I have payed on that and want to make sure that I havent. I was insured through my own insurance and they should have never added me. I called and had them cancel it but I want to know how much I was charged for when I was double billed
I went to deposit a check in my Bank of America account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a " Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this?
XXXX XXXX/XXXX is not in compliance. According to the FCRA XXXX XXXX/XXXX XXXX is in violation of the FCRA. In XXXX of 2017 when I received my annual credit reports I noticed XXXX XXXX/XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of 2017, XXXX of 2017 and XXXX XXXX, 2017 after disputing and receiving an update credit report from XXXX and Equifax the dispute was not corrected. What I did notice was that XXXX XXXX/XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX and XXXX XXXX is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of 2017. My current XXXX Report Number XXXX is dated XXXX XXXX, 2017. Yes, I have utilized my credit card with XXXX XXXX/XXXX in XXXX, in XXXX, in XXXX  and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my Equifax credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX/XXXX has not reported correct data since XXXX XXXX, 2017. As of XXXX 2017 XXXX XXXX/XXXX is reporting on my Equifax Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX/XXXX XXXX in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX/XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX  ID Number XXXX, stated to me she could not answer why XXXX/XXXX XXXX was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX/XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.
XXXX has illegally received over XXXX inquiries of my personal credit file. Someone with the company told me they have a trigger on my credit file, every time I apply for credit they call me. Experian took the inquires of my file more than 5 times and they have been peeping again. XXXX, XXXX, and XXXX. Last time removed was XXXX this year, I was told they were blocking them for good. Was on vacation this summer, this problem delay a instant request for my line of credit. Also the last person called me was rude and scary. DO NOT OWE THEM