WillisBack/dataset-financial-user-claim huggingface dataset:
I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.
This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with Scott Carruther 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name The Law Office of XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Affilliated Acceptance is a collection company that had tried to contact me in order to have me pay a debt that I was unaware of, thanks to having a gym membership that charged to a card that was closed for fraud activity. I had also cancelled said gym membership. Despite this, the gym continued to attempt to charge me for several months ( without contacting me for anything ) before finally pushing to collections through A.A. This collection company never reached out to me about this entire process. They never tried contacting me via mail, or phone or email, for months, until I found their account on my credit report months later. Upon notice of my outstanding debt, I called them that day, and I paid it on my next paycheck. After speaking to the company about why I was never notified about why I was never contacted regarding this debt, they explained that they had the wrong email address for me ( they had put the letter " XXXX '' instead of the letter " XXXX '' ) and all contact was sent to an email that was n't mine. Before this event, I had never missed a payment on any account, and had a perfect track record of on time payments. My score dropped substantially, and all of my financial plans have been brought to an abrupt halt.
On XX/XX/2018 I made deposits on two crises with my Bank of America credit card XXXX. One deposit for {$350.00} and one deposit for {$900.00}. XXXX XXXX XXXX cancelled the two cruises on XX/XX/2018 but did not refipund the deposits totaling {$950.00}. I have yet to receive word from XXXX XXXX XXXX that it refunded my money!
I have a business account with XXXX XXXX, on Tuesday XX/XX/2018 I was randomly charged {$200.00}. for a Keyword I was bidding on for {$1.00}. That {$200.00} charge instantly put my account over its limit and I was forced to pay google in order to get my account back online for my business advertising. I spoke with Google tech support before paying the bill and was told it was a " glitch '' and that I would be getting the {$190.00} back from Google. I haven't to this point and was informed they were NOT going to return the money at all. This particular " call campaign '' was setup by a Google employee and I had limited control over it as it was, but once charged they told me it was my doing and they wouldn't fix it, or return my money. I understand they may not  constitute an " emergency '' on the behalf of the FBI, or another agency, but I feel it is desperately worth looking into as it seems VERY unlikely this was an accident or that I am the only business this has happen to. 

I am a military veteran running a small business in a smaller demographic, my wife is a XXXX XXXX   XXXX and we live on a small working budget, in fact that {$200.00} charge from Google was more than 25 % of my entire advertising budget. I have spent thousands of dollars advertising with Google to  this point ( no more ) and yet I often just have to take their word that I received so many expense clicks in a day, even though I don't receive any calls for said clicks, or drum up any business from said clicks, but this one incident of a {$200.00} charge for a {$1.00} keyword is crazy, its illegal and wrong. I have parameters set to where I can't even spend over {$100.00} a day with XXXX, but yet somehow they can just charge me {$200.00}. I am sorry, I hope this is not a waste of someones time, I just fear I am one of MANY people being cheated by Google. I am not sure where to turn.
We took out loan # XXXXwith Wells Fargo for a boiler XXXX/XXXX/XXXX and financed $ XXXXXXXX9.0 % ( paying $ XXXX ). Then we did loan # XXXX for air conditioner XXXX/XXXX/XXXX financing {$4000.00} at XXXX equal payments at 0 % ( paying $ XXXX ). These work out correctly as per loans. ( paying {$150.00} ) I am assuming as their bills do not specify how money has been applied. Then in XXXX XXXX we financed a hot water tank for {$2300.00} @ 0 % for 18 mths. Our next payment from them was {$230.00}. The payment should of been {$280.00} to cover the difference. We wanted to make sure that this was paid off in the 18 mths to avoid them billing us for all of the interest if loan was not paid off in time. I called and talked to a woman ( did not get name ) and after a long discussion about amount I finally got her to say that she would correct the problem and pay the {$280.00} and correct amount would be applied to each loan. The following month the bill came and it was again {$230.00}. So I called and talked to a XXXX on XXXX/XXXX/XXXX. She stated that I could pay {$280.00}, but the extra amount would be applied to the first loan and when that was paid they would apply money to next loan. Told her that that was not right and the other XXXX loans have been accurate ( as far as I know ) and we did not want to end up paying the interest on loan # XXXX. Said I was going to contact consumer protection and report them and XXXX put me right through to an executive ( XXXX XXXX XXXX XXXX XXXX. I explained everything to him and he said what can we do to resolve this. I replied to apply all the extra money I was paying to the third loan as it should be so we do n't have to pay the full interest rate if not paid in full by the XXXX mths. He then gave me the name of a resolution dept. person, XXXX XXXX XXXX XXXX ext XXXX ). Said she would be contacting us within 10 days and gave us a case # XXXX. Said we could contact her even earlier. We have tried calling and leaving messages several times and have not gotten any response. So called the consumer protection agency today and was told to file this.
On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.
Please read Case number : XXXX because this is a continuation of that case that i thought was done. 

On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! 

On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. 

After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. 

On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. 
She then said she will have boss contact me. Then we went back and forth, and she hung up on me. 
I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.
I request a loan rate quote from Interfirst Mortgage Co out of  XXXX , Il.  XXXX   XXXX ,   XXXX  . I received an email fr om Senior Mortgage Loan Originator,   XXXX   XXXX  that afternoon. I explained to him what I was looking for as far as 20 yrs, etc. He sent me an email with the available rates for that day.  XXXX   XXXX , I to  XXXX   XXXX   XXXX  to place application and agree to electronic signature.  XXXX   XXXX , I was contacted by  XXXX   XXXX ,  Sr. Loan Processor for Interfirst to up load documents. I provided all the information needed. The loan was submitted to underwriting  XXXX   XXXX .  XXXX   XXXX , I was told I had conditional approval on the refinace (  1 . Provide a satisfactory  XXXX  Re : inquiries in the last 120 days to evidence no additional debt. Respond to each inquiry by the creditor 's name.  1 )   XXXX ,  XXXX  ;  2  )  XXXX / XXXX ,  XXXX . Please provide signed and dated letter of explanation for each inquiry, by creditor name, and date, state results, if new accounts opened, provide current statements. ) This I provided. Also I gave a credit card # for the appraisal {$490.00} which could not be done until  XXXX . After that I was lead to believe we were closing  XXXX   XXXX . I had told  XXXX  that I had  XXXX  acres but only financed home with  XXXX  acres and that I had built a mother in law area for my Mother. This was all discussed before appraisal.   When Appraiser came I explained this to him too. But he did the appraisal on the  XXXX  acres. I received a denial because of acreage. I spoke with  XXXX  and he spoke with  XXXX   XXXX  Co and they had the appraiser redo for just the  XXXX  acres. Then I never heard from anyone about what was going on. Then  XXXX   XXXX ,  XXXX   XXXX  ( Manager Retail Operations ) I was told both  XXXX  and  XXXX  were no longer with the company. I do not know why and believe this is the major reason the loan was denied. She said denial based on acreage and no comparable in area for mother in law area. Like I said this was all upfront information. The appraiser did an amended appraisal for the  XXXX  acres  XXXX   XXXX .   I am trying for another loan and they can accept that appraisal but have to have a transfer form signed by Interfirst and they are not cooperating. I am the one who pays the appraisal and after all the mess I went through with them they should at least do that. Otherwise it is going to cost another {$590.00}. I have all of the emails and documents.
TD bank posted late fee on my account despite mailing payment in on time. I am never late. As soon as I saw the late fee I made a payment directly at the branch on XXXX XXXX in XXXX. I called and they refused to reverse the late fee. This all happened today - XX/XX/2018. I am concerned they are holding payments and not posting them to force consumers to accrue late fees. Given my impeccable payment history, I am disgusted that they would not waive the late fee.
I have submitted information to Trans Union several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to TransUnion regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with TransUnion
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my credit report.
On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.
Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.
This complaint is regarding XXXX XXXX. XXXX XXXX is refusing to provide tax documents and a closing statement for a reverse mortgage that was paid in full in XX/XX/XXXX. 

XXXX XXXX refuses to provide the total interest and fees charged during the 38 month life of the loan. 

I am the successor trustee for the estate of my grandfather, who took out a lump sum reverse mortgage in XXXX of XXXX. He died in XXXX of XXXX. I paid the loan in full in XX/XX/XXXX. XXXX did not provide a final payoff statement for the loan ; when I inquired, XXXX claimed it would be sent at year end, before XX/XX/XXXX. 

XXXX XXXX claims now that the loan payoff statement does not exist. 

XXXX XXXX refuses provide tax documents ( form XXXX ). 

Through over a month of phone conversations, XXXX representatives have provided false and conflicting statements regarding this account. 

XXXX representatives claims during phone conversations include that the XXXX was mailed ( on three different dates ), that the XXXX would be faxed, that the XXXX was never generated, and a claim that they could not provide a closing statement or tax documents for the loan because the IRS prohibited them from doing so. Additionally, XXXX representatives had stated that, though the loan shows as paid in full, there is no payoff statement, and that they do not have any document that itemizes the interest, MIP, and other fees that they collected at loan payoff in XX/XX/XXXX. 

Time is off the essence for this complaint. I can not file federal income taxes as trustee for my grandfather 's estate, or my own taxes, because XXXX XXXX   refuses to provide a form XXXX, a closing statement for the loan, or any other relevant documents.
hello- I was involved in the Equifax breach ... all of a sudden, I have XXXX inquiries on my account from XXXX and XXXX that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. It was not my fault that they exploited my information and Im not happy about whats going on. My credit was very good with no derogatory information and now these items have appeared on my report. On top of that, theres an academic loan with XXXX XXXX XXXX for over {$400000.00} that does NOT belong to me. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
OnXX/XX/2018 I wrote to CFPB regarding Portfolio Recovery regarding 4 debts that were placed on my credit report. Two were removed and my score went up to XXXX. On XX/XX/2018 they placed another two debts with XXXX that reduced my score XXXX points. These debts were the ones I originally requested documentation for. I have no knowlegde of the debts and have requested written proof on several occasions. This attempt to collect and to destroy my credit without providing written proof should be illegal. How many times are they allowed to do this?
I am a victim of identity theft and I have been a victim for years. 
I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. 
I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Experian received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.
Re : Cashland XXXX XXXX XXXX, XXXX OH XXXX XXXX, The corporate office number is XXXX, and several other phone numbers original due date XXXX/XXXX/XXXX I was unable to make the payment that I agreed to on the due date, I wanted to make payment arrangements. Before the loan was due ( which was originally for {$890.00} with the payback amount of {$1000.00} in 14 days ) I called the store and they said they could n't change the arrangement that I would have to call the Corporate office. I called the corporate office and they said they would not make arrangements until my loan was in default. Two days after the due date they tried to debit my checking account for the original amount and a small fee. There was insufficient funds and my bank set it back and charged me {$35.00}. I called the corporate office because now my loan is in default, I made several attempts to make contact with XXXX who handles my defaulted loan. She called me back and we played phone tag for another 2 weeks, They sent the full amount of the loan again and my bank charged another {$35.00}, Two days later they sent it through and again there was insufficient funds my bank charged me {$35.00} and Cashland also sent a ISF fee through for {$20.00}. My bank paid that but charged me {$35.00} to pay the {$20.00}, because I already had a negative balance. I have been trying to contact XXXX since Monday of this week XXXX/XXXX/XXXX to tell her I will take {$500.00} to the store on Friday, however I need to make arrangements to pay the other half over time. We finally spoke today and She told me she could n't make any other arrangements, they would accept the {$500.00} on Friday but I would have to pay the balance within 2 weeks. I explained that I would n't have the full balance and again asked for smaller payments. She said that was impossible, She could not work with me, because my loan has been sitting there for a month. I said I never received a copy of the loan agreement, what will happen. She said I can get a copy of my loan agreement from the store when I go in to pay the {$500.00}. She said the telephone calls will continue and they will continue to run the balance through my checking account. I told her I wanted to revoke my authorization for the ACH withdraws. She said they will not do that and she told me to have a nice day and hung up.