WillisBack/dataset-financial-user-claim huggingface dataset:
I was taken off of scra military benefits. Automatic payment schedule got messed up ... I never got call back. I keep getting forwarded to same non responsive person. Email or sent hidden. I finally got a hold of someone when they thought I could refinance..to see how to catch up on my payments. Paid XXXX. Through XXXX XXXX. But phone message says I only paid XXXX and I owe for XXXX. Yet it also said the last payment was XXXX XXXX. XXXX different messages non of them rt. Everytime it forwards to same voice mail. Even when I try to get forgot password or sign up for new online it routes me to same non responsive person. NATIONSTAR Morgage. Took over my account from XXXX XXXX XXXX I had since 1998. But since being with nation star they did not honor paper work XXXX XXXX showed me they sent..finally got rt interest applied but not sure retroactive was applied. Then they took me off of scra again for no reason. Husband sent documentation but still struggled with what was going on with account. They sent someone to my house where the Tennent lives saying it is important they contact me about morgage. People comming and taking pictures. Then recently mailed a package to house were my Tenet lives that is under morgage even thou they know where I live in Texas.
My wife and I are about to default on our loans with Navient. We both were in reduced interest payment plans with them. My payment was about XXXX every month and my wife 's was just around XXXX a month. we made these payments for 18 months. last XXXX my wife suffered some very serious XXXX. She had to be hospitalized, lost her job, and still needs to be treated on a regular basis. She has begun working again, but makes about 50 % of what she was earning before. We are now unable to pay Navient. I have made several attempts to get them to reduce our payments, but the best that they can come up with is XXXX a month for my loans, and my wife 's would remain the same. We ca n't afford this and now they are threatening litigation. How can you help?
Experian has been far the worst agency to work with, they have over XXXX fraudulent address and XXXX fraudulent last names. on my file that they refuse to remove, along with XXXX fraudulent accounts. Every time I write them they send me a letter saying its not legitable? when all my documents are typed out with XXXX point fonts double spaced. and I blow up every copy to prove my Identity. They have cause me a lot of XXXX issues. they refuse to remove, they never help and they send Generic response telling me to take it up with the creditor. I have done that with my Drivers License my state ID my passport proving I was out of the Country for three years. Experian has refused to help me as a Customer to resolve the matter. They never help I have tried to get help when I first noticed the fraud on my report and they are the last to help. I have sent so much proof to the company along with way to much info to the company that the fraud happen at. Please help me. 
XXXX Also Known As XXXX open XXXX cards within months from each other while I was out of the country. I sent them all the documents and they refuse to remove it. and Experian refuses to clean up my credit report from wrong and fraudulent address and last names.
I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.
I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.
I have a car loan that was with a company called XXXX ( Now XXXX ) They are reporting information on my Transunion Consumer report wrong. I Disputed it, Yet they refuse to fix it Nor delete it since it is inaccurate. The CRA sent the dispute to XXXX who verified the info on the report. However when you compare all 3 reports you can see they ALL have different info being sent to the CRA. Meaning that the report has to be wrong since all of the data does not match the other 2 reports. Per the FCRA if all the data is not 100 percent accurate It can not be on the report.
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.
Loans paid as agreed, lender phone calls and correspondence confirmed however no resolution or changes to my credit report or performed by the agency/financial institution for fair credit reporting timelines and or act.
on XX/XX/XXXX I checked my credit report and all my inquiries were deleted. I logged in today an all of the inquires are back amd my score went down
On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to me.
On XX/XX/XXXX I received a call from XXXX XXXX from Dynamic Recovery Solutions regarding a debt I had never heard of. When asked he said it was from XXXX XXXX? a company i do not know. I asked him how old this debt was and he said it was from XXXX, thus clearly barred. He said he was from XXXX, SC and his phone number was XXXX. He told me it was a valid debt and I had to pay it. He indicated he was working for some finance company who had obviously bought worthless debt and he was pursuing it. Beware!!
I have a XXXXXXXX XXXX Store Credit Card where I make minimum payments of about {$32.00}. I recently have gone through financial hardship and I have been late on making a few payments. Was 30 days past due for the month of XX/XX/XXXX and XX/XX/XXXX, 60 days past due for XX/XX/XXXX. Called XXXXXXXX XXXX to see if they can wave a payment but at the time said it was not possible.
Experian XXXX and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. Experian and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX  REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 Experian XXXX and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. Experian XXXX and XXXX has NOT sent requested information provided to their companies by XXXX XXXX  that they use to continue verifying my CR.
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}
Good Evening, I Bought a television over a year ago for close to {$1500.00} with a CITI Best Buy credit card shortly after getting the credit card. Have been paying on the card now for over a year no issues. Two months ago XX/XX/2018 I noticed that my minimum payment had increased dramatically. I thought nothing of it, and I payed the bill. The next month XX/XX/2018 I noticed the same issue. I decided to open my account, and take a look at the activity to see what was going on. I started to dig, and noticed a {$1000.00} interest charge. I thought that there might have been a mistake, so I called their help line on I believe XX/XX/2018. I talked to the phone operator, and was told that there was no mistake, and that I had signed up for a no interest year and a half, or two year financing plan. I was told that I did not pay the debt off in time so they charged me a ridiculous amount for interest. I did not sign up for this program, and tried to explain this to the phone operator. I got nowhere with him so I asked to speak to the supervisor. I talked to the supervisor, and she informed me that she could extend the payment deadline to XXXX  that night to pay off the XXXX debt, but no further. I had called them around XXXXXXXX XXXX  so roughly 7 hours to pay an unexpected bill of XXXX $ to avoid a XXXX fee while I was in the middle of paying my bills. I told her that I did not have the money right then and there, but if she could extend the deadline to my next billing date I would be happy to settle my bill. She said this would not work, and 7 hours was the best she could do. I did not sign up for this program they are committing me to, and I would like to resolve the issue as soon as possible. 

Thank you for your time.
I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.
I am filing this complaint because Experian has ignored my request to remove a negative item showing on my credit report. I have send information to Experian and the State of Michigan showing that State of Michigan messed up. I also have documents, court orders, and the Michigan Legislature law 552.512 to provide you to show that the State of Michigan messed up. I ask you to please resolve this matter as soon as possible .Thank you
My Zales account with XXXX XXXX was on a hardship program for several months and now removed, notice was received today on XXXX, due to a returned payment. The terms of the program allow a certain number of returned payments in a given time frame before account is removed from program. A payment in the amount of XXXX was returned recently, causing removal because the account it was drawn from is now closed. The account has numerous auto payments scheduled in the amount of XXXX for the XXXX of the month drawing from account ending in XXXX, this is my current bank account. The payment in question, XXXX was scheduled using old account without my knowledge and I do not believe it is my error for it being returned and thus, the account should not be removed from hardship program. If XXXX XXXX  will check, the payment shows drawn from a different account number than my current account ending in XXXX, I was not aware payment was scheduled to draw from closed account
I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.
A R Resources put this medical account on my report without first following proper Fair Credit Reporting Act. Specifically, I had Health insurance during the time in question. The bill should 've been sent to the insurance company, instead of just putting it directly on my credit report. AR Resources failed to first contact me in regards to resolving the matter prior to putting it on my credit report. I did not receive anything pertaining to this bill. I got notice when running my credit report. Please remove this account. 

Moreover. AR Resources had the account as closed, then reported it as an open collection. Please remove this from my XXXX and XXXX reports immediately.
During XXXX weekend, while in XXXX, Louisiana my card was misused at a local XXXX. I reported to Chase bank that my card was charged {$900.00} fraudulently on XX/XX/2017. I immediately called my bank and reported my card lost/stolen. Upon submitting a dispute in order to receive my full amount of {$900.00} back into my account, chase also had me verify the transactions I made prior to this purchase of {$900.00}. I said yes to all of the charges except the one made on XX/XX/2017. I was also asked could I recall what my last transaction was the day before the fraudulent transaction took place. I responded " I believe it was XXXX for about XXXX dollars on XX/XX/2017. '' In actuality it was the XXXX for XXXX and the XXXX transaction was the second to last transaction I made on XX/XX/2017. Please be mindful that I was in a state of panic in the middle of the XXXX police department, explaining to them what was going on, while on the phone with chase. I did not have my account pulled up nor did I use my app on my phone to answer the question. I found it oddly peculiar that the customer service rep who was looking on my account did not ask me to verify if the XXXX transaction was valid or not. She led me to believe that I was correct in XXXX being my last transaction. As a result, my fraud dispute was denied. Chase refuses to credit my account in the amount of XXXX because they said that I listed the second to last transaction opposed to the first. They literally told me that had I not listed the second to last transaction from MEMORY opposed to looking at my account and stating the XXXX purchase as the last transaction on XX/XX/2017, then I would have been granted my money back. 

They are required under the electronic funds transfer act to refund me up to XXXX and myself being responsible for up to XXXX. I am a recent college graduate. I work hard for my money and XXXX is a lot of money when you already have very little. I did my part and reported my card lost immediately, chase needs to credit my account as soon as possible.
Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise
On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.
XXXX XXXX XXXX # XXXX This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my Experian credit report.
National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,