WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX with my XXXX degree in XX/XX/XXXX. I 've had to defer my loans a couple times due to financial hardships. But for the most part, I 've paid steadily for 14+ years on my original debt of {$37000.00}. In XXXX, I went to graduate school which stopped my loans for 2 years, while adding about {$27000.00} in student loan debt. I 've paid on them from XX/XX/XXXX to now, deferring once when I moved overseas for work. At the time of graduation in XX/XX/XXXX, I consolidated all my loans into XXXX : XXXX and XXXX school at a 4.5 % interest rate. I recently checked up on my loans. According to my provider, I 'll be paying on them till XX/XX/XXXX. The amount I will pay according to their time frame from XX/XX/XXXX to XX/XX/XXXX, will be an additional {$73000.00}. My question is : " What happened to all the money I 've paid on the loans? If my crude calculations are correct I will have been paying on my loans for 30 years at the tune of nearly {$200000.00} on XXXX loans for {$64000.00}. Is this correct? Or when my loan company sold my loan to another provider last year, something seriously got messed up? I 'm overseas still for work, and spending hours on the phone in the middle of the night does n't sound like fun to me. Especially, if this is legit and I should n't be complaining. Thanks!!
On XX/XX/XXXX18 my credit report ( see attached ) displayed some address errors that need to be corrected. 

Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX These items must be deleted. 

Correct addresses : XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NV XXXX
I 'm reporting inaccuracies in regards to the calculation of my credit score. I believe I have a true problem with IT Hacking. I have seen my credit score drop by XXXX points and then move back up XXXX points, with no change of debt reported on my credit reports. I have saved all free credit report checks and have snip shot or screen shot my credit scores. Now with all debt payed, no change at all in my credit score ( no movement ). Transunion will not change there reporting, but experian did. Tranunion is still holding me down and will not make the appropriate changes. The accounts in question are collected by XXXX XXXX and have odd notations that are n't correct for being paid in full. Others are XXXX XXXX and also XXXX XXXX. Under 15U.S. Code 1669 and 1681 states that any changes must be immediately reported, if not it constitutes a delete of file. I can prove that immediate reporting of good standing changes are n't being reported immediately. May I remind you that I have proof of true hacking and fraud changes made with my credit score.
I am a victim of identity theft. Portfolio Recovery is attempting to collect a debt that was already flagged by the original creditor as identity theft. Portfolio Recovery is attempting to collect a debt from XXXX XXXX that was not opened by me.
Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.
I just learned today that Chase is closing the bank account of the XXXX XXXX XXXX ( XXXX ) after we had been with them over 12 years. They did not close my other XXXX accounts, XXXX of which is the XXXX XXXX XXXX XXXX of XXXX XXXX. 

They refuse to tell me why they closed the account saying and I quote the person I spoke with a XXXX XXXX XXXX : " We have the right to not give out the information on why we are closing your account. We have conducted a review of each and every account and have found that somehow we find risk and it is our right not to tell you what that risk is. The decision made by entire Chase company. I did not make the decision. We can not tell you who in Chase made the decision to close your account. '' We do not sell, distribute or in any was deal with XXXX itself. We are an XXXX patient support group and law reform organization that works within the legal and political system to end XXXX prohibition. 

Chase Bank seems to believe they have the right to deny financial services to a person because they disagree with their political position on a legal issue. I wonder if a federally chartered bank can deny financial services for that reason. They could not do it for race, ethnicity or religion. Is this a free speech violation of the first amendment for a federally chartered bank to do this? 

I am not the only XXXX to have this happen. XXXX had all its credit card processing accounts closed for the same reason last week. 

The question is why are so many financial institutions doing this as we are doing nothing illegal. Is this their own decision to undermine us or is some backroom power ( law enforcement? XXXX? ) putting pressure on them to pull the financial rug out from under the XXXX movement?
Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!
Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

XXXX XXXX
I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX XXXX XXXX XXXX )
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.
I have been going through financial hardship and it has caused me to be late on payments. I have reached out to XXXX to remove late payments on my report and Im having no luck.. I have started making payments on my accounts
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!
I tried to go onto the website ( again ) after making sure my initial deposit transferred, and it would not allow me to log-in. First I tried to fix the password on the website, but it would not take my information. It kept saying it did not work. Then I tried calling, but could only reach an automated call. The automated call said I could not talk to a HUMAN unless I had the account number OR my social security. Since I never received anything to do with my account through the mail, I had no account number other than my card. After trying and trying my social security number it said it had no record of my social security NOR my card number! I am not " allowed '' to speak to a human??? REALLY? So I can't log in online, and I can't speak to a human, and they have no record of me!?? What on earth??? I've tried over many days, and now I need to go into the bank ( which I have a feeling they will say they do not manage the website ). I think this is the WORST way to treat people that are obviously in desperate need to access their XXXX   money.
Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX XXXX BANK XXXX XXXX # XXXX XXXX BANK XXXX XXXX # XXXX B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DEFENDER MISC The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I ordered an item from XXXX XXXX on XX/XX/2017 for {$290.00}. XXXX shipped the item via XXXX   using an unsecure method ( see attached ie no signature required ). The package was either delivered to the wrong house or stolen. Either way I did not receive the item. XXXX refuses to take responsibility and Paypal will not refund my money. 

The attached docs document my case. 

Thank you.
I paid off a collection account from the original creditor ( XXXX XXXX XXXX XXXX ) with a collection agency named ( XXXX XXXX XXXX ) Under a written agreement from them stating to remove from all credit reports. Experian has not removed this collection from my reports. I have disputed more than once with them. I have the Pay for Delete letter that XXXX XXXX XXXX sent me as proof. XXXX and XXXX   have already graciously removed said Item from reports.
Customer service would not help and take care of the negative inquiries reporting to my credit report. I only applied at XXXX company and I have several on my credit report. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX
My Credit Score has been lowered the Credit Agencies ( Trans Union, XXXX ans XXXX ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
Caller from Simms Associate called two people with the same last name as mine stating I had warrants and that he would come to my physical address and shared with them my physical address Then he left voice mails.The voice on one message was the same as the voice of a Simms Associate who contacted me on a student loan that keeps changing lenders. The caller was very disturbing to the individuals whom used the information he gave them to come to my parent home! Calls from XXXX with the scare tactic and XXXX as a Simms Associate was the same guy they let me compare the voicemail to what I had on my phone.
I got divorced and in the div agreement my ex wife was supposed to give me a quit claim deed signed and notarized so i can keep the home and the children in it. I had the modification completed except for the quit claim deed and the bank terminated the mod because i couldnt get my ex to agree to give me the deed. Even after they approved the mod and i paid the 3 months mortgage to complete the mod. I took her to court to make her sign it but the bank didnt care and expired my mod. So while i had her in court i reapplied for the mod and sent in an updated package. That mod expired again because she wouldnt sign the deed. I than applied for a 3rd mod and this time i had the quit claim deed signed and a completed mod package that underwriting had in there possesion. We were waiting for them to approve mod but while underwriting had mod they never cancelled sale date and thats when the house went up for auction and the bank took back ownership. We now must leave. Freedom mortgage is the reason i lost my home. They were suppose to cancel the sale date once they had the complete package. What can i do to get my home back from a bank that treated me poorly and unfair?
I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me.
Good evening team, I 'm filing a complaint on behalf of XXXX and since I co signed on the loan I feel the need to let your agency know how we are being treated. My wife lost her job XX/XX/XXXX due to health reasons. We continued to pay North coast according to our loans terms all the way through XX/XX/XXXX/ XX/XX/XXXX of this year until it became impossible to keep up with the loan term due to us losing an income and having XXXX children to cloth and feed and provide housing and on top of all the medical bills. XXXX, decided to do a voluntary repossession around XX/XX/XXXX/ XX/XX/XXXX some time after agreeing to do this with North coast they told us once the sell vehicle they will call and set up the remaining balance to pay monthly and drop the interest rate to XXXX %. XXXX, heard from Northcoast from the time they came and picked up the vehicle until they pending auction sale and they told us we had to pay {$150.00} to keep our account current and XXXX paid the {$150.00} and that 's the last I heard from Northcoast until Monday XX/XX/XXXX when XXXX called me and demanded a payment because we agreed to make a payment on XX/XX/XXXX ( XXXX to me ) the last I heard was that we were waiting for them to apply the amount they received from the auction ( if they sent something somewhere I never received anything. On the XXXX when they called me at work I was threated by XXXX to make a payment by the XXXX or else. She threaten to send my loan to their legal department. Caught me off guard because I thought we were waiting to finalize the new terms with the minus auction amount. XXXX customer service to say the least is not how a consumer should be treated when we are willing to settle the balance. I just feel getting threating calls at work is not acceptable and embarrassing for me at my employer where I hold position where I lead. I want to pay the debt but the threats is uncalled for. I even offered to pay the amount due on my next pay on XX/XX/XXXX to avoid any issues. I just want Northcoast to be transparent in regards to what monthly payment is due and how much because I was never informed and I ca n't speak for XXXX. If you want to hold me responsible I need to be informed what is owed and not be threaten to be sent to their legal department. I offered to pay on XX/XX/XXXX but they refused.
I recently made some changes to improve my credit score. I started monitoring more and noticed a calculation error on Equifax 's website. I paid down my debt to 25 % which is correctly reflected on the report. However, the score is still under XXXX. 

When I go to the score estimator, for some reason it's scoring my information with a 45 % credit card utilization. If I adjust their score estimator to reflect 25 % ( as it shows on the actual report ), it says my score range should be 708-728. To some creditors, that's a big difference. I don't know where they are even pulling a 45 % utilization value. Please see the attached screenshots. 

I have tried calling Equifax several times in the past few months and they think I'm trying to change my score. I just want it calculated correctly, and it looks like a calculation error. 
If it's happening to me, it's happening to a lot of people.