WillisBack/dataset-financial-user-claim huggingface dataset:
Navy Federal  is reporting to  XXXX  that I 'm late In  XXXX  and   XXXX   XXXX   on a line of credit that was opened in   XXXX   XXXX     XXXX  by   XXXX   XXXX   I did not know  XXXX ,   XXXX   XXXX  , I never signed for a line of credit, I met  XXXX    XXXX   XXXX   XXXX   and much later on became a user on his account. I have called and also disputed this online and sent a fax on  XX/XX/XXXX  and they refuse to remove it.
In XXXX, 2015, I received notice that the interest rate on XXXX of my Guaranty Bank credit cards through Elan Services, was going to nearly double without any justified reason. I sent in a written notice as was procedure that clearly stated I did not authorize any interest rate increase or closing of my account due to my refusal to have the interest nearly double without any justified reason. I never received a response and Elan began charging me the increased interest rate. In doing so, they raised my minimum amount due on a monthly basis by such a large margin that it became impossible to pay the full amount each month. I have made multiple attempts to contact the company and inform them that they had received notice in a timely manner that raising the interest rate was not authorized, but the company has blatantly disregarded the information that I have attempted to provide to them.
IQ Data is currently reporting negative information on my credit reports. They were in receipt of a letter on   XXXX   requesting verification/validation of this debt as I have no knowledge of this account and have never done business with this company and they have failed to provide this information. They printed out what appears to be a statement with an amount that does not even add up the amount they are claiming I owe. Further, they handwrote an additional amount which still does not add up to the amount they are claiming I owe and which makes absolutely no sense. This is a violation of the Texas Finance Code as this company is now allowed to collect " interest ' '' on an account unless they have entered an agreement. Further, per the Texas Finance Code Section 392.101, a debt collector must hold a surety bond in the State of Texas in order to attempt to collect a debt. IQ Data has failed to comply with these regulations. I have attached all documentation that was mailed to the company.
I received a loan ( at the time I did n't know it was a loan, I was told it was a grant ) for XXXX. The loan was from XXXX which is now Navient. When Navient kept contacting me as they still do, they just kept telling me to put the loan into foreberance to stop it from going into collections. They had the monthly payment at a set amount but never explained that I could lower the amount to accommodate what I can afford. I also did n't know the amount would keep going up while in forbearance, making it impossible for me to pay at all.
Hello! Equifax scandal!
Close the company DOWN!
Request SEC investigation of their executives.
Shut down ALL credit reporting scandals!
I opened an account on XX/XX/2018 and was promised a {$600.00} dollar bonus within 60 days. I called Citibank and they told me to wait another 90 days, which I did. Every supervisor ( XXXX, XXXX ) told me I was eligible for the bonus. It has been 6 months now and I have not received it yet. I have tied up {$50000.00} and have even opened a dispute. Still no bonus.
Someone stole my identity and used my credit cards from capital one for goods without my consent or knowledge. I have been diagnosed with XXXX XXXX and was in able to protect my identity and credit cards during my XXXX treatments Capital One is making me pay for 3 credit cards that someone or company has stolen access to my personal credit cards information and used the credit cards for their personal needs. I have not used the credit card, but I have been trying to pay each month for credit cards that I have not been using
I requested an appraisal to drop PMI off my loan. The appraiser came out and looked at the home. He had inaccurate square footage and used comps that were outside the neighborhood when there were plenty in the neighborhood. He valued the home at {$1000.00} less than what was needed to drop the PMI. When I discussed the square footage dispute with Wells Fargo, they said I had to dispute it and sent out a form via snail mail. I think they just do this to continue to collect PMI. The square footage is a matter of public record. So now, I will be paying another month of PMI just to prove the appraiser was wrong. What a XXXX! This seems like their way to make appraisal money and PMI money! Also, Texas is a non-disclosure state. So they are asking me the sales prices of homes, but that information is not publically available. The closest home to ours us XXXX XXXX XXXX XXXX ( same street and also a lake lot ). It is the same floor plan, but has XXXX less garage space. In my opinion, we should have the same cost per square foot, but then add the cost of another garage space to my home.
Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. Thank You!
The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.
I've had repeated issues with Navient- harassing telephone calls, charging late fees without notifying me, not being flexible with my repayment options ; and forcing me into forbearance multiple times. I've entered into an income repayment plan with the government and even consolidated my loans with XXXX XXXX to get out from under Navient. I don't have the exact dates and all the times i've tried to reason with Navient ; because they're excessive. I can provide an account statement. Technically I don't have to pay them because i'm a graduate student. Not to mention, i'm XXXX and my parents ( co-signers ) filed for bankruptcy. ALL of this, i've tried to tell the company. I don't have an income- and as i've been trying to explain to them multiple times, I can't afford the payments, am sick of being forced into paying fees for deferment ... .etc
On XX/XX/2018 in response to an internet offer that promised a {$400.00} bonus, I opened Citibank checking and savings accounts and subsequently deposit {$15000.00} dollars. To maintain this amount for 60 days was the requirement for the {$400.00} bonus. After the 60 day period I contacted Citibank a number of times regarding the unpaid bonus. Their offshore call centers make contacting them difficult, but I persisted and on each occasion their customer service agent imediately asked for " an offer code ''. I responded to the offer directly through a weblink and have no knowledge of any such requirement. Subsequently I investigated and their bonus offer saw still widely circulated without any " offer code '' whatsoever. This is nothing more that a ploy from Citibank to increase their deposits without paying the depositors any interest or bonus. I ask you, or any reasonable person : would you deposit {$15000.00} in a bank account offering .04 % or less when you can easily find banks currently paying 2.0 % and higher. Citibank must be enjoined from cheating consumers through this most obvious fraud. Please feel free to contact me for any documentation required in prosecuting this illegal banking activity. I have considerable evidence to establish the fact that they are cheating their depositors. I have provided two pertinent screenshots of the offer I responded to and Citibank 's acceptance.
I have spoken to discover card, XXXX, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the discover credit card off of my credit report permanently, which never happened. It keeps getting reinserted by discover credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent Discover credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
On XXXX/XXXX/XXXX at approximately XXXX hours, I checked my credit report through my credit card XXXX XXXX. I noticed my credit score dropped from XXXX points to XXXX points. I obtained a credit report check through Experian and noticed a false address on my credit report such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have filed numerous complaints against Experian for the past several months ago and advised Experian that I do NOT lived in XXXX California. I have been a victim of Identity Theft since XXXX XXXX, XXXX. Experian was to put my credit report on " Security Freeze '' and place a " Fraud Alert '' in order to prevent criminals from opening any more credit cards using my name without my authorization. Experian continued to ruin my life again by dropping my credit score from XXXX points down to XXXX points ( XXXX ). I would like to know why Experian continued to ruin my life by allowing criminals to open more credit cards and refused to bring my score up to XXXX points? I thought everything was going well for my life since XXXX XXXX until Experian starting to ruin my life again. Why?
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, Equifax, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.
First Merit Bank has charged hundreds of dollars in inactivity fees. Upon realizing this, I decided to make a payment of {$100.00} from the account, which would take the balance down to a minimal amount ( and, presumably, avoid the inactivity fees ). Most recently, XXXX separate inactivity fees - {$35.00} each, {$70.00} total - which hit my account at the same time as the {$100.00} payment I attempted, caused the account to be overdrawn. It does not seem right that they can cause my account to be overdrawn as a result of their fees. Any assistance would be greatly appreciated.
I have sent Equifax numerous requests asking them to please investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.
Annually in compliance with regulators requirements, I receive notifications from all the credit cards I possess. Invariable hidden within those notifications is language which allows the issuers of the cards to change their rates and increase the service fees. In an economy struggling to recover and the significant loss of jobs, it has affected me and consequently the service charges and adjusted interest rate is equivalent to what the XXXX was allegedly doing that put a number of individuals in prison. Yet nothing is done to stop the banks and institutions issuing credit cards and raising the interest rates to more than 15 %. Instead of Congress and States authorizing the issuers of the credit cards to increase rates, they should prohibit any interest rate that when applied to the balance would exceed a payoff balance of no more than 60 % of the balance. Please initiate legislation that prevents banks and card issuers from exceeding 15 % in interest rate and no more than {$15.00} for any type of service fee and limit cash transaction fees to no more than {$1.00} per transaction.
I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround.
This company offeres me a credit card by mail. I called the phone number to get the card. After recieving the card I did not get acorresponding address to pay bill. They charged me money that I didn't even spend. Then when I tried to call the number on the back of the card, they did not answer the phone. I called dozens of times to resolve this matter. On the couple of occasions that they did answer I asked the rep. to speak with a manager, and each of the few times I did this I was disconnected.

When I finally did receive a bill it was filled with outragous fees for being late on a payment.

This company is now harrasing my credit.
I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.
There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.
I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.
Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided.  Two  accounts appear on my credit file and thus far harming my credit.
I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX XXXX XXXX miles ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months, purchase of {$1000.00} with debit card ) of the bonus and did not receive it.. I was told via secured message I would receive the miles by my XX/XX/XXXX statement, and in an online support message that I would receive the points by XXXX XXXX. I messaged today to confirm and was told they were not planning to honor their original promise.
It all started when I paid off one of my old bills, which I did because it was a old utility bill from XXXX XXXX XXXX. I have XXXX XXXX XXXX now so I decided to pay it, even thou I did n't know it existed. We had moved from my old address which is noted on my evidence back in 2014 and I figured they would just keep my deposit for the balance which they did. I was n't aware of any residual balance until a few months ago, when it popped up on my Experian credit report. Eperian just reaged it to look like I new account.
XXXXXXXX XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Company : XXXX XXXX -I have two accounts with this company. 
-I have received correspondence from them in the mail - to my mailing address. -I have never received a personal phone call from this company. 

My complaint is the following : They have called my XXXX-year-old Father, ( who lives 5 hours from me, ) multiple times on his home phone. I have no idea how they accessed his phone number. I asked the Representative how they accessed his number and she wouldnt tell me. I asked if she would please stop calling him. He wasnt even aware that I had these accounts, but thanks to the repeated, multiple calls, of course he knows now and extra stress was put upon him that absolutely shouldnt have occurred. I have taken care of my accounts with a different Representative. Even though I asked the other Rep to please stop calling him, he still receives phone calls.

Here are the phone numbers, dates, and times of when this particular Comenity Bank Rep has called my Father this is from the beginning of XXXX. I dont have the current dates and times, yet. 

Dates, times, phone numbers : XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX XX/XX/2018 XXXX from ( XXXX ) XXXX XXXX from ( XXXX ) XXXX As I stated, there are more dates and times to document, as he still receives calls from this company even though I have taken care of my accounts and standings. Any help anyone can provide is appreciated so much I really need this company to stop calling my Father. 

Thank you.
On XX/XX/XXXX, I mailed my monthly payment of {$280.00} for my auto loan. When I called the bank to check the statues on my account in XXXX, the told me, they have received my payment for XXXX, and my next payment was due in XX/XX/XXXX. After I mailed my XXXX payment on XX/XX/XXXX, they told me they did not receive a payment for XX/XX/XXXX. Now they want me to pay an extra {$280.00} for the month of XXXX. The name of the bank is called BBVA Compass bank.