WillisBack/dataset-financial-user-claim huggingface dataset:
In 2003 we purchased a home in CT. The lender in to eliminate PMI had us use a XXXX loan in addtion to the Mortage. This XXXX was described as a 30 year XXXX mortgage. A few years late when we were inquiring about the loan 's % rate of interest. It was explained that the loan in fact was XXXX yrs but we were paying as if it were a 30 yr. Therefore there was a 15 year ballon. This was not explained to us. We are XXXX years from the Balloon. My wife told me about this organization. The mortgage company issuing the mortgages was XXXX XXXX in XXXX, CT. The original main mortgage was XXXX XXXX which was bought by XXXX XXXX XXXX and since we have refinanced with XXXX XXXX. The XXXX Mortgage in question was originally XXXX XXXX and then was purchased by PNC Bank. Can you help us?
A collection company by the name of XXXX XXXX XXXX ( a XXXX Collection Agency ) appears on my credit reports. They have also sent a letter to me. I live in XXXX. Based on XXXX State Laws, a collection agency MUST be registered with the XXXX to perform ANY type of collections process UNLESS they are the ORIGINAL CREDITOR. They are reporting an account THEY OPENED with an account number THEY ISSUED, without my consent, or permission ... which gives an appearance it is a new/revolving credit account opened this year. The credit bureaus have an obligation to COMPLETELY REMOVE these XXXX XXXX XXXX entries because of the gross deceptiveness of their practices.
On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX
Right now I am facing a financial hardship in my household. I am currently running behind on my credit card payment with Capital One. As I am looking at my statements today, I noticed I am being charged finances charges, late fees, and XXXX monthly member fee. I understand the finances charges and the late fees, but why the XXXX monthly member fee, and I would need to go back through all my statements to see how long I have been being charged for this fee. I have had the card for while now and do n't remember ever being notified that I would be charged a {$3.00} member fee when I took out the card, and if it is in the contract I feel that fee was not properly disclosed to me. I would like there to be validation of debt of where I agreed to this {$3.00} member fee or where they properly disclosed this fee when I took out the credit card. It makes me wonder how many other consumers are being charged this fee unaware they are paying for it. If this fee was not properly disclosed, I guess my next step would be to seek legal advice to see if I have suit for damages. I would just prefer to have this account closed out, and work out some type of hardship repayment plan minus all the fees to get this account paid off instead of being in the trap of just paying fees and not paying down the principal balance.
I got notification today as of XX/XX/XXXX that my grace period for my college loans was over. During the years of XX/XX/XXXX-XX/XX/XXXX, I was in XXXX school and had a grace period to defer my loans for XXXX. However, since my school has updated just recently that I am no longer a XXXX  student. Navient decides to let me know that I have a payment due in 4 days XX/XX/XXXX. <P/>Navient did not let me know at least a month of advance to make a payment. I can not afford that payment since I was just given a 4-day notice. My next payment is due on XX/XX/XXXX. <P/>They just let me know as of now the change of loans has been changed which is XX/XX/XXXX ( today ). My complaint is that Navient should have better timing to notify their customers of payments at least in two weeks or a month advance so that I could make a payment or try different options if I can not make the payments. <P/>I hope you can assist me with this matter. I 've my emails to show as proof. I contacted customer representative this morning on my way to work, who did n't quite understand why I called to let Navient know pursue better business practices of letting the customer know the payments. She was not as helpful ; it seemed she needed to wake up get a grab a coffee. She told me my options, but I could barely understand her since she was mumbling. Maybe she needed to grab a cup of coffee. <P/>In conclusion, I reached out to Navient, who do n't understand what the issue is. The issue is the timing and notification of payment less than four days!!!
This loan company charges way out of control and can not keep making the payments. I have already pay  XXXX  to date. I borrow  XXXX . There interest is  XXXX  which when done would have pay {$3500.00}. Can not the time needed a loan. My fault for not paying attention to the fee or interest amount on the contract or on line. It is expensive way to go. Want others not to be scam into a loan shark at charge way to much for the loan. I could not get a loan from good company and could not borrow from family or friends. There was a family issue that needed to be corrected. I choose badly. I feel this has been pay in full. These loan companies are rip offs. People need to be cautions.
I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.
I have previously submitted a complaint against Wells Fargo. # XXXX dated XX/XX/XXXX. The company researched the complaint and then closed it before it was resolved. They still owe me {$160.00} for an unjustified finance charge dated XX/XX/XXXX. The representative who researched my case lied when she said she could not find documentation relating to this charge. She sent me a copy of the research and the document containing the {$160.00} finance charge was included. This case needs to be reopened and Wells Fargo needs to reimburse me {$160.00} which they fraudulently took from me. They had on NO occasion informed me that there was ANY finance charge. The account had never had a late payment or non-payment. It was paid IN FULL with a clearly printed XXXX balance. Yet, the bank officer forced me to make the payment or they would keep the account open against my will.
PayPal has refused to engage in dialogue to resolve dispute case XXXX and has practiced avoidance tactics ignoring complaints and hanging up call PayPal has refused to resolve case with following information despite attempts from all parties ( bank, vendor, and myself ) to close out : Original transaction date : XX/XX/2018 Amount : {$450.00} USD PayPal account : XXXX is ( XXXX ) XXXX XXXX. 

Dispute Case : XXXX Receipt : XXXX PayPal needs to immediately refund the {$450.00} to resolve this transaction. PayPal is holding payment without consent of any involved parties. 


PayPal is using deceptive customer practices to delay attempts to resolve this issue by refusing to engage in a direct conversation with a competent employee. When asked to speak to management, they have terminated my calls. PayPal needs to properly respond to my issue. 


Thank you, XXXX
I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.
In XXXX XXXX World Omni Repossessed my car on the 30th day of it being late. I called the company explained that I was making the payment the same day and they still took the car. I went through the necessary steps and paid an outrageous amount of money to get my car back that same exact day. World Omni reported from that day forward to all three credit bureaus that the vehicle was " redeemed or repossession '' in the remarks. The account is showning closed with a high balance. The issue is I have been paying on this car on time every month with NO repossessions since the XXXX XXXX incident. I called the company, customer service told me the issue would be rectified FIVE times. Every month my credit score is suffering due to this closed account with a high balance. I have been disputing the account every month as well asking the company to please update the information to reflect true. The company has refused to do so. Every time I speak with a representative I ask for an amortization schedule as well as my payoff amount. I am being told by numerous reps they do not have an amortization schedule but will send a principal and interest breakdown for my last payment. I have yet to receive this information and I 've been asking for it since the loan opened in XXXX. The payoff that I am being quoted is with interest. When I explain that the payoff amount should not include any interest as it is being paid in full I am never given the correct amount.
I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.
I had accrued loans ( federal and private ) from my XXXX studies ( XX/XX/XXXX-XX/XX/XXXX ). I had then worked for a year in which these were both regularly paid. Starting in XX/XX/XXXX, I then started XXXX school and was no longer working. As I was again a studying and in student status, generally loan payments should be on hold for the duration of the studies, where payments don't need to be made. This had worked with the federal loans ( I was not obligated to pay during this time ), but my private loan lender did not allow this option, citing that I was not attending a certified university that qualified for this break of loan payments, so despite not earning any kind of income, I was still obligated to make the normal payments, although being granted a period of forbearance for 8 months. I have now since finished my XXXX   studies ( XX/XX/XXXX ), and am still unemployed, with almost no income. This again is fine with my federal loans, as I am on an income-based repayment plan, so I am still not burdened with making payments if I am not earning any income. This is again not ok with the private loan agency, I explained this to them, and they offer no options for borrowers who are currently unemployed, no discounted system, or smaller payments.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   XXXX XXXX Unverified Account XXXX   XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX
I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.
I have disputed this account with Experian again and again and their response is always the same Verified. I have disputed the accuracy in the reporting, I am not sure how you can say this this account was verified of being accurate just from a click of a button. I have asked in which ways did they verify this account and I am still waiting on a response from them. I understand now that verifying an account is a simple process of pressing a button and the company responding back with another click of the button through automation as verifying the account. Well that 's not verifying the accuracy of an account and by law the account must be reporting accurately and verified by law. I have n't received an accurate dispute on this account by law. I want this account removed from my credit report as a result of not fully investigating the accuracy of reporting.
Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with Portfolio recovery and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to Portfolio Recovery. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to Portfolio Recovery. No action has been taken by XXXX XXXX to resolve the issue. Portfolio Recovery has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by Portfolio Recovery on XX/XX/XXXX, the second was sent out and received XX/XX/XXXX. Portfolio Recovery has provided me with account statements from the original creditor, XXXX XXXX, stating that the accounts are mine however no such document bares my signature.
I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.
This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.
After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.
I've disputed online via my XXXX credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or documents.
Some months ago, I received an on-line notice from XXXX XXXX Bank XXXX XXXX, Ohio that my XXXX. credit card payment was over due.I have never opened an account with this " bank '' and do not even know if they are a legitimate company.With all of the web security issues of late, I am more than a little reluctant to contact these people directly for fear that I may compromise myself further. 
I am constantly being called at all hours and emailed with threatening notices about this account. As a result, I have become paranoid about answering my phone, have trouble sleeping at night and have devolved into states of XXXX at times. 
All of my banking is done through my local credit union and my credit, except for this issue, is impeccable. My credit card has a zero balance and the interest rate is below 10 % a.p.r.I would never open an account such as the one in question that has an a.p.r.over 30 % and late fees of {$34.00}. 
I am a retired XXXX vet and live on my Social Security alone so my income puts me substantially below the national poverty line.
I sent a certified letter to all XXXX credit agencies about deleting hard inquiries. Several hard inquiries on my reports were not requested by me. TransUnion, XXXX and XXXX are refusing to delete them. There are only a few inquiries on my report that are legit inquiries. Please remove the information off my report.
I payed over the XXXX} i borrowed, i payed XXXX. I emailed the company XXXX and they gave me a generic answer about making different payments. I am having trouble paying my bills.
I originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.
XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having it