WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX I financed a XXXX XXXX XXXX thru Santander Consumer USA ( thru XXXX XXXX in XXXX XXXX, XXXX ) Due to my poor credit rating and desire to have that car, I agreed to the 24.99 % interest rate, the 72 months to spread the payment of ( {$13000.00} interest and {$14000.00} principle ) {$27000.00} over. XXXX XXXX the company I was working for went out of business. During the next 3 years my finances were touch and go, I was late on many occasions and 4 separate times I had to place two missed payments " on the back side of the loan, '' extending my loans maturity date, as far as I knew and understood, 8 month later than expressed on my contract. Maturity would have been XXXX XXXX, but due to the 8 payments on the back of the loan, my agreement should have been finished XXXX XXXX. I have not had any late payments since the last of XXXX I believe, getting my financial world back on track. The XX/XX/XXXX, I realized that my loan, which should have been just about finished, was showing over half my principle amount still due with additional interest. I have called many times since last summer to try and understand their mistake, because surely this MUST be their mistake. I continued payment thru last month, meaning I paid now 5 extra payments beyond my XXXX agreed to. The several representatives I have talked to over the years explained to me that the interest and penalties I incurred due to late fees and the penalties for putting those XXXX missed payments on the back side of the loan reflected in the " Amount Due '' section of my monthly statement, which, as of my XXXX XXXX statement reflects {$810.00}. I had asked the first representative I talked to the first time they gave me the ability to put two missed payments on the back, if I would incur additional interest, because if I do, take the car back. Her words to me were " it is illegal for us to charge interest on interest and that I would be charged the late fee and penalty. '' Lets now fast forward to XXXX XXXX, I have made XXXX payments of a minimum of {$380.00}, many times over the last year or two I paid {$400.00} trying to tick down that " amount due. '' Just going with my regular car payment XXXX times I have paid this company {$29000.00}. However they are insisting I still have a balance on my principle of {$6800.00} that is almost half of the original amount I borrowed, XXXX years, XXXX months and XXXX payments later. Now according to Santander, I will be paying this off for another 6-7 years when you factor in the interest. The representatives at Santander state they are within their right per my contract to do this and I can not for the life of me understand how they can. I was told straight out, I would be paying for an additional 8 months beyond my maturity date and assessed late fee and penalties, not never ending interest. Please, please help me get my well deserved, over paid for car title and end this nightmare with me, please. I do n't even care anymore about the extra money I paid them, I just want this to end, not go on for 6-7 more years. It ; s XXXX, plain and simple when someone is in the hardest times of the lives. Thank you.
I advised the person that they were becoming abusive by yelling into the phone and the person told me that I should be quiet and when they finished, then I could speak.
Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!
AES is not abiding by the laws that are in place when it comes to Wiretapping laws in Pennsylvania. On XX/XX/2018, AES was contacted by me. They advised that they were recording the phone call, to which I said I was also recording the phone conversation. They said they did not authorize the recording, to which I said that I only authorize recording if AES authorizes me to record the same phone call. 

The representative said she had to transfer me to a non-recorded line, and then proceeded to ask for my personal information, to which I asked if they were still recording the call. The representative then proceeded to transfer me without getting my information. I got a new representative on the phone moments later. I informed that representative that I was recording the phone conversation, to which she also said she didn't authorize recording from my end. I asked her why they don't allow authorization if they are ok with authorizing the conversation from their end. I then proceeded to tell her that the previous representative stated that I would be transferred to a non-recorded line, to which the current representative said was false. I then asked for a supervisor to which I was not given as the representative stated no such authority figure was available at the present moment. I then just let her know that I would call back and see if a different representative would corroborate everything she said, to which she was dismissive. Eventually I dialed back and got a different representative who couldn't answer any questions or concerns I had about the lack of integrity for this type of situation. 

AES needs to understand that if they continue to record any conversations without my direct permission, I have the legal right to request those phone calls or have an investigation initiated to properly dispose of any conversations that were " illegally '' recorded. I have reason to believe that AES still keeps phone conversations that were illegally recorded ( recorded without my direct authorization ).
Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that " the fraud investigation '' " had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims " Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Bank of America should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized.
Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response
I opened open additional cardholders and finished the purchasing criteria, but did not receive any bonus of them.
Credit reports shows late payments to Navient fromXX/XX/XXXX - XX/XX/XXXXwhich is Not accurate since these student loans were Always in Forbearance. At that time I was unable to make payments. First payment made to Navient was in XX/XX/XXXX, since then enrolled in auto-pay and payment made in a monthly basis automatically. Please Navient, resolve this since I was never notified of this, nor called to my personal phone, I was always contacting XXXX XXXX - Navient to ask for Forbearance options, I always did what I was advised by Navient customer service. My commitment has been always be in good standing with the loan provider, proof of that is my auto-pay enrollment since I was able to pay back to Navient. Please help and support. Thank you.
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXXreport I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XXXX XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.
I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX, I found four items that were incorrect on my Transunion credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, Transunion and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from Transunion stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX onXX/XX/XXXX and was transferred four time to no avail. OnXX/XX/XXXX.XX/XX/XXXXI called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
I filed a identity report with the police dept and FTC ( report # XXXX ) and mailed the report into the credit bureaus. The item was removed and a 7 year fraud alert was placed on my report on XX/XX/XXXX and is valid until XXXX. I applied for a credit card and was approved, but can't receive the credit card until the fraud alert is removed. I called XXXX, Equifax and XXXX on XX/XX/XXXX, to request the unauthorized alert be removed. XXXX and XXXX, removed the alert, but Equifax refused to remove the alert. And stated that the information was provided to them by XXXX  and they would not remove it, XXXX would have to notify them of the remoavl. 

I called XXXX back and ask them to notify Equifax of the removal and they stated that they only notify the bureaus of the addition of the alert and not the removal of the alert. And refuse to correct the matter. I have never requested a fraud alert be placed on my report and it was done without verbal or written consent. In addition my credit report has a fraudulent statement, that states the following : " Statements Personal Statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. '' I have never given a verbal or written statement to this effect and I have never requested a fraud alert to be placed on my credit file. 

The heading says " PERSONAL STATEMENT '' This is a clear case of fraud and misuse of the credit reporting bureaus. To add a statement and fraud alert that, was created inhouse and in addition, they have provide both landline/home phone numbers to the entire internet community, without my permission. If someone is seeking information to steal my credit again, they have now given out the answers to a possible security question.

What phone number ( s ) have you been you had in the past? and the answers are right there on my report, in addition to giving marketers, my home phone numbers to now call on and pass around the internet community!!!! There are a number of lenders and credit card providers that will not extend credit or loans to me as long as this alert is on my credit. WHICH HAS CAUSE A FINANCIAL HARDSHIP FOR ME! I have asked XXXX to contact Equifax and assist with this matter, to no avail and I have asked Equifax to remove the alert to no avail. As my credit stands I can't use my credit in a manner, of my choosing. Because these bureaus are holding my credit XXXX for the next 7 years ( UNTIL XXXX ). 

There needs to be a better system of checks and balances, to allow the credit bureaus to place a alert without the consumer permission, create a statement in the consumers name, without permission and to publish the consumer 's home and personal contact information, without permission. Is a gross abuse of power and clear violation of the FCRA. The statement is fraudulent, in every sense of the word.
On XX/XX/2016 I was charged {$280.00} by XXXX. On XX/XX/2016, I was also charged an additional {$340.00} by XXXX. Upon check out, The hotel gave me a receipt that shows these two amount would be refunded to my debit card ending in XXXX. But I never received that refund. Wells Fargo sent me a letter saying they messed up their investigation and that the credit of {$630.00} was permanent. But then 2 weeks later took back the money and refuse to give it back. I called the hotel and the hotel manager said they refunded me that money the same day I checked out and that the bank had made some kind of error. The bank does not want to refund me my money even though I have provided them with proof after proof.
When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help
I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.
I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this complaint.
I obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
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My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.