WillisBack/dataset-financial-user-claim huggingface dataset:
Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.
My statement balance of XXXX XXXX is {$3800.00} and due on XXXX XXXX. 
On XXXX XXXX I made {$1000.00} payment. On XXXX XXXX, {$800.00} payment. XXXX XXXX, another {$1000.00} payment was made. XXXX XXXX ( due date ), {$1000.00} payment was made as well. Totaling {$3800.00} payment by the due date leaving an unpaid balance of {$8.00}. 
On XXXX XXXX, a {$2500.00} payment was made covering the remaining balance of {$8.00}, any interest charged on top of the unpaid balance, and any new transaction. When I looked at my statement, there was {$23.00} charged in interest. I contacted Capital One Bank about it. They said the interests are changed on top of XXXX XXXX XXXX including new transactions. So, I inquire if I had made no payment but the minimum, I would still be charged the entire {$23.00}, they said yes. 
My main concern is XXXX as I never experience anything similar to it XXXX : is this practice legal? Or should they only charge interest on unpaid balance? It does not make sense to me that a bank would adopt this practice if not to steal from customers.
My credit card has been charging me the penalty APR rate of 29.99 % interest since XXXX XXXX. They claim that my account is in penalty status, however they were not able to provide me with any of the following information when I contacted them on XXXX XXXX, XXXX : 1 ) my original APR, 2 ) the reason why my account is in penalty status, 3 ) the date that my account went into penalty status, 4 ) the date of any notification that my account was going into penalty status and the resulting increase in APR. My understanding is that if my APR is to increase that I am entitled to a notification or a reason, and I never got one from them. I have paid XXXX in additional interest.
Transunion credit bureau would not help and take care of these negative inquiries reporting to my credit report. These are the negative inquiries. XXXX XX/XX/XXXX and XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
About a week and a half ago I received a call from a number marked Private, the lady said she was from Rose and Associates and she was looking for my boyfriend to verify employment. I gave her his phone number. 
Today, Wednesday, XXXX XXXX, 2015 at XXXX XXXX I received another call from a number marked Private from a lady claiming she was from Rose and Associates, again asking for my boyfriend. She gave me a return number of XXXX so I called it from my work phone and told her to take my number off of his name. She would n't give me any information about what the call was regarding other than " employment verification ''. I told her I thought it was illegal for collectors to mark their calls " private '' and she said it was not.
ok this is XXXX XXXX XXXX I writing this complaint on Performant Recovery, inc XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.
XXXX is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX
There is a judgment against me from XXXX XXXX. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account 30 days ago and the collection agency states they have no response from XXXX XXXX. I contacted XXXX XXXX yesterday and they would give me absolutely no information and kept telling me to contact the collection agency again. When I was married my ex husband had a XXXX XXXX card but I was never even an authorized user. I am not sure how his debt got put in my name. I have also disputed this matter on Experian and they did not remove from credit report. I have disputed with XXXX as well but they have until XXXX/XXXX/16 to complete investigation. Please help!!!! Thanks
Dear Sir, I have recently applied for Chase Slate and came to know about their false advertising. Chase Slate advertise that they offer 0 % APR for first 15 months on Balance transfer within 60 days. But they will not send the balance transfer checks or allow you to do balance transfer to checking for first 90 day of a/c opening. These terms are NOT mentioned in their website. After 90 days, they charge 3 % or {$5.00} whichever is greater. This makes the customer NOT able to use the intro balance transfer offer. When question Chase customer service regarding this issue they say it the company policy, but they are NOT able to show such advertisement on their website. Please kindly take a look into this issue. 



Following is the advertisement Annual fee {$0.00} Purchase APR 0 % intro APR for 15 months on purchases. 
After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
Balance transfer APR 0 % intro APR for 15 months on balance transfers. After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
After the first 60 days your account is open, the fee for future balance transfers is 3 % of the amount transferred, with a minimum of {$5.00}. 


What can I use a balance transfer for? 
Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. 
Consolidate balances. Make managing your finances easier by combining several credit card balances into XXXX. 
Pay for unexpected expenses or get cash. If you 've received balance transfer checks, you can use them to pay for things you need or to get cash. You can also call the number on the back of your card to transfer funds into a qualifying checking account. 
Please note : Balance transfer request ( s ) made online and/or with a Customer Service Specialist can not exceed {$15000.00} within any 30-day period. Balance transfers may not be used to pay other credit cards or loans issued by Chase Bank USA , N.A . or any of our affiliates. Successful payment history must be established for checking accounts you wish to use for ACH transfers. There are additional conditions that may apply. Be sure to read the terms and conditions of your balance transfer request for details.
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( Experian and XXXX ) 2. XXXX XXXX ( XXXX, Experian and XXXX ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know  nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
We send the money in XXXX but they still do n't receive the transfers with send on the XXXX/XXXX/2015
On XX/XX/XXXX, I was made aware that two credit cards were opened fraudulently in my name as a result of identity theft. One of the cards was a XXXX XXXX XXXX by XXXX. I was told, by XXXX, that it was opened up on XX/XX/XXXX, online on the XXXX website. Someone then went into a XXXX XXXX, in XXXX California, on XX/XX/XXXX ( the same day ) and made a charge of {$810.00} for a hotel stay. This card was opened fraudulently online, and it was not me checking into the hotel in California. I live on the XXXX XXXX and have proof that I was in my hometown shopping at XXXX on the date of XX/XX/2018. I have proof of other transactions before and after this date showing that I was on the XXXX XXXX the entire time of question. I became aware of these activities on XX/XX/XXXX. I quickly put a freeze on all three credit reporting services. I called XXXX and told them that the card was opened fraudulently and to shut it down. XXXX said that they are closing the account as fraud, and that they will be sending me a Fraud Affidavit to fill out and sign. A Fraud Affidavit letter was never sent to me. I received a letter, dated XX/XX/XXXX, stating that their " investigation in now complete and our research indicates that the account is valid. '' I called them and told them again to shut it down. I then receive the bill on XX/XX/XXXX showing that I am responsible for the hotel stay. I again call XXXX and asked how come the transaction went through. I find out, that on the day the card was opened ( XXXX, online at XXXX XXXX   EST ) someone ( not me ) checked in with a PRINT OUT approval letter and credit card number ( not an actual card ) and showed ID to match to check in. So, XXXX for their fraud investigation, phones the hotel to verify if it is fraudulent. The hotel attendant states that it is their policy to check ID to verify the charge and that they did this for the {$810.00} charge. It is impossible that they had a physical card to swipe, because it had just been opened earlier that day, AND I received the physical card about 10 days later. XXXX is not reporting the card as fraud and I am responsible for the charge because the hotel it saying that they checked ID- that's their statement. I had mentioned in the beginning that two cards were opened up. The other one was a XXXX XXXX. I called them on the same day ( XXXX ), they shut down the card and sent me a letter dated XX/XX/XXXX, acknowledging that the application was fraudulent. Thus, I have proof that I was on the XXXX XXXX and NOT in California on XXXX, another card was opened fraudulently in my name, and XXXX still claims the card was not fraudulently opened because they believe the hotel attendant 's story about showing ID to check in with a print out approval letter for a card that was opened hours earlier. 
I can send related documents if requested.
I took a Payday Loan on XX/XX/XXXX from Advance America in XXXX CA. I received a letter from Advance America dated XX/XX/XXXX trying to collect. I made a payment in XX/XX/XXXX & XX/XX/XXXX. I started having some financial problems. I have not made a payment since.

As of XX/XX/XXXX I have been receiving phone calls from a company, XXXX XXXX, but they never said who they were collecting for until today, XX/XX/XXXX when I called them back. All they said was that my account was going to Litigation ( I believe they used that word ) & being sent to XXXX County courts ( XXXX, CA ). They told me the amount, which is over {$210.00} that I actually owe, but I did not write it down. I got angry & hung up on the person I was talking to because she accused me of totally ignoring any correspondence from Advance America or XXXX XXXX.

What do I do? How can I settle this problem? I am on a limited income, I am retired. I do not want them attacking my bank, although, my current checking account is NOT on file with Advance America anyway. Help!!
Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX   XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. 

Thank you for your time.
I would like to do a short sale because I can no longer maintain the high mortgage payments of the home. I feel the lender, Nationstar, is trying to foreclose without allow me to sell the property. I have lived here since 2004 and this is a very difficult decision but I want to be be able to avoid foreclosure since the original lender, XXXX Bank, had committed many acts of fraud and even foreclosed while I was making payments. They sold the loan to XXXX as they begin to rescind the foreclosure. Since then I was n't allowed to make payments for years before Nationstar finally approved me for a loan mod. The loan was part of the National Settlement and I was paid a few thousand dollars for the errors. The balance of almost {$1.00} XXXX is over $ XXXXXXXX in late charges and the loan is an interest only loan. The home is worth less than $ XXXXXXXX but my payments or more than {$4600.00} per month. XXXX can not help due to the high balance, so I just want to be able to sell it. The home is XXXX and there is a lot do dispose of with that size of a home. 

Please allow me the opportunity to sell the home as a short sale to avoid foreclosure.
Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2018 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
I am deeply disappointed with Bank Of America and XXXX XXXX for ending financial services to law abiding companies making and selling Firearms. This is nothing but an attempt at social engineering and bullying by large institutions who benefited from taxpayer funded bailouts when they faced financial collapse due to their questionable practices.

The entities they have targeted are operating legally and protected by our second amendment. My wife and I are both Life Members of the NRA, and strong supporters of our second amendment. We would like to see these financial institutions honor the taxpayers who saved them by supporting our second amendment rather than bowing to political pressures from the left.
I have no knowledge of this account at all. I am XXXX  and have not rented from anyone at all my entire life. I will provide proof that I am a XXXX.
I have received XXXX credit card refusals over a 3 month period from Chase Bank for an Amazon.com Visa Signature card. I did not make these requests. I do not believe this is a case of attempted identity theft as all the refusals are coming to my home address which has a secure USPS mailbox with a lock requiring a special key. I do not put personal information on my computer and burn all paperwork that may have personal information on it. I suspect this may be a case of robo filing by Amazon or Chase. This has been negatively affecting my credit score.
TransUnion XXXX XXXX was a fraud account I complained for years I have tried to contact XXXX many time with no response so I dont know how you can validatethis as mine XXXX XXXX is not a legal investigation I forward fax letters from myself to XXXX as you said any questions contact XXXX  I REQUEST AN ACTUAL SIGNED CONTRACT WITH MY SIGNATURE I DO NOT OWE ANYTHING TO XXXX IT WAS'NT MINE I DID PAY IT TO REMOVE IT FROM MY REPORT SO ACTUAL CONTRACT MY SIGNATURE FROM YOU YOU VALIDATED IT OR REMOVE FOREVER enclosed are faxs made to XXXX
I contacted Santander and they will not give me any information on GAP and the amount that I paid. They have told me it does not show up in their system when it's a fact GAP was added to the loan.
I was sent to the hospital in XXXX of XXXX. There u was asked for my insurance information. I gave it to them and was told it would be resolved. The insurance that I had at the time was XXXX XXXX XXXX. I got a notice saying that I had n't paid the medical bill even though it should have been covered by insurance. Did not know what I had to do to get it resolved as I had n't dealt with insurance during that part. The company is XXXX finance control, date XXXX/XXXX/XXXX, amount is {$980.00}. Originally contacted them but got no response as to what was supposed to be done and now credit is suffering
SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their instructions.
I am repaying my son student loans both prvt and public on I have been paying on the loans for several months but when I called to check on payments adjustment that would run out soon the CSR told me I had not made any payments. I have bank statements, I asked the CSR what happened to all the payments she said there were none. This was very discouraging I have made sacrifices to pay these loans right at {$400.00}. a month. I no longer trust what these people tell me. I need help with these loans. I want copies of the paper work showing my responsibility for the loan.
My Homestead property is currently set for a Foreclosure Sale on XX/XX/XXXX, in XXXX XXXX, Florida, Case No. XXXX, Nationstar Mortgage v. XXXX XXXX.

From XX/XX/XXXX through XX/XX/XXXX, I have been overcharged by XXXX XXXX and XXXX XXXX approximately {$79000.00} in Forced Placed Insurance. I was not aware of this until XX/XX/XXXX when my recently hired attorney went through all the charges by XXXX XXXX and XXXX XXXX. I was not represented by counsel during the Foreclosure filing. A standard insurance charge for my house would be about {$3000.00} a year. I was charged by XXXX XXXX and XXXX over {$12000.00} a year for insurance ( 4 times what should have been charged ). I have all the charges to support these fraudulent overcharges.

Last week I was approved by the Florida Housing Authority via XXXX for {$50000.00} in Mortgage assistance to Reinstate my Mortgage. However, XXXX XXXX ( the servicer for Nationstar ), claims I owe {$82000.00} plus to Reinstate and even if the Florida Housing Authority pays {$50000.00}, XXXX XXXX wants an additional {$32000.00} to Reinstate.

I have been overcharged {$79000.00} by XXXX XXXX. I have researched this issue and there are many Class Action lawsuits about Forced Placed Insurance fraud, and Nationstar is one of those companies involved in this fraud.

I would like Nationstar/XXXX XXXX to waive any amounts alleged owed over the {$50000.00} that the Florida Housing Authority is willing to pay XXXX XXXX. If not, I will be forced to turn this over to the State and US Attorney for their review of this fraudulent activity by XXXX XXXX and Nationstar.
I was charged with a purchase. They give me a link to cancel the purchase and I gave them my personal information . (  social, address and bank account information )