WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.
I have made several attempts over the past few months to have XXXX and Equifax to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. XXXX 's last report date was XX/XX/XXXX. Is there a reason why XX/XX/XXXX and XX/XX/XXXX reporting was n't made on this date ( XX/XX/XXXX ), when in fact XXXX is responsible for reporting on the XX/XX/XXXX of each month? Per my reporting via Equifax pulled on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were left blank without a reporting status.
XX/XX/XXXX - XX/XX/XXXX should all reflect as " paid on time '' not XXXX for XXXX XXXX or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that XXXX correct and update the reporting of my on time payments for the months of XX/XX/XXXX- XX/XX/XXXX. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called Chase and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I recently was asked by a friend who is a banker, and, had just started a new job at U.S. Bank, if I would be willing to change my business banking to her bank. So we met and I thought I had agreed to open a business checking account and credit/debit card account. Over the next six weeks, I received multiple mailings from U.S. Bank with multiple new accounts. So far, I have counted XXXX different account numbers with variable balances. For most of these, I have no monthly statements. Needless to say, I have not activated the credit cards, except for the first credit and debit cards which I had requested. I spoke at length with them yesterday but was unable the resolve the issue.
My loan was transferred to Flagstar Bank. First they did not pay my tax bill. It took several calls for this to be resolved. My first payment I attempted to make online had two numbers from my account transposed. When the payment failed they contacted me and I made it immediately over the phone. I have received my   XXXX   statement and I am being charged {$25.00} Total fees ( including late fees ) The rep explained it was for an NSF. When I explained what had happened and that there was NEVER AN NSF she said she would send a request for review. The case number given is  XXXX . The reps name is  XXXX  and I talked to her on  XXXX . XXXX .17 at  XXXX .
XXXX XXXX, XXXX Consumer Financial Protection Bureau Dear Complaint Department : In XXXX we took out a Line of Credit loan from BMO Harris Bank. In XXXX we learned by letter that our loan was coming due in full on XXXX XXXX, XXXX. We had no idea a Line of Credit loan matured with a balloon payment 15 years in the future. It was a Line of Credit! We always made our loan payment of approximately {$90.00} per month on time and never late. Around three years ago, we started increasing our monthly payment to {$150.00} per month. This allowed us to pay on the principle and pay off the loan quicker. 

When we were notified that the full balance of the Line of Credit was coming due XXXX XXXX, XXXX, we tried to refinance our home mortgage including this balance of {$40000.00}. But because of our financial hardship at the time, we could not qualify. 

I 'm a XXXX Veteran with a XXXX XXXX. Once again, we tried to refinance our home mortgage, and this time we qualified. We were also able to lock-in a very good interest rate before they recently increased. Everything was going great until BMO Harris indicated we were 252 days late on our Line of Credit balloon payment. Even though we were continuing to pay our monthly payments on time, we were trying to include BMO Harris as a Subordinate positon to our home mortgage and get this loan active again... they refused. See, they have already written off this Line of Credit loan. But because BMO Harris wants to play hardball, we are going to lose our lock-in and may not ever to be able to qualify for a loan again. The interest rates have already gone up since we locked-in this great rate. 

Our lock-in expires XXXX XXXX, XXXX. This means we must pay an additional {$300.00} to lock-in for two more weeks. BMO Harris is intentionally blocking our refinance opportunity knowing we are about to lose our lock-in. This after being loyal customers for over 40 years. I guess if you are meeting their expectations you are FAMILY, but once you fall out of place they treat you as if you have the plague. 

After making phone calls to BMO Harris ' Loss Mitigation department over several weeks, XXXX recommended providing them with a settlement letter. We could come up with {$10000.00} from a friendly legal outside source. I spoke with XXXX, the Team Leader through XXXX and XXXX has declined our {$10000.00} Settlement offer. XXXX requested {$24000.00} as a Settlement, but {$10000.00} is the maximum amount we could obtain. 

We do n't understand why BMO Harris would intentionally block an opportunity to receive our {$10000.00} Settlement offer, or get this {$40000.00} loan back on the books and let us pay our monthly payment again like we have for 15 years. 

We can extend our lock-in two more weeks, at an additional cost of {$300.00}, and then all hope is lost. Why is BMO Harris being like this? 

Please help us. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX
I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : " Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.
Sent letter to XXXX, XXXX, and Experian requesting, validation of XXXX XXXX   account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
XXXX XXXX has closed several of my accounts for no reason. I have kept the cards active and paid on time. In the process of getting my SCRA benefit activated on my account. I am to the point where getting a lawyer to sue the company for wrongfully closing my account. Here are the accounts that were closed : Lowes Card : XXXX XXXX : Card ending XXXX XXXX XXXX : XXXX XXXX XXXX : Dont remember the account number but they can pull my info with social. 
I have submitted information to XXXX XXXX to process the SCRA benefit for reduced APR as well as any other fees that have incurred. Still have not heard anything back from the bank itself. Please help me look into this issue.
I am a victim of ID Theft, I had two accounts from Wells Fargo XXXX XXXX. I would appreciate a letter from Wells Fargo. I would like to find out if I am included in the law suit with Wells Fargo.
XXXX XXXX THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE
A XXXX XXXX left me a voicemail that he did n't know why I do n't return my important phone calls and I needed to call right away. When I called him i told him that I had just had XXXX XXXX and was not able to get to the phone he asked me to verify myself I told him my birthday he told me that I was in default and needed to pay because my loan was in a collection agency. I told him I had just graduated and was told that would n't happen until 6 months after I graduated. He said he had me graduating a year prior. I told him he was not correct. I told him that I was starting XXXX XXXX and was under the impression that my school loans would be differed. He said not for private loans. I said I have only got loans through the school. He said they had sent me letters about my loan payments and He asked me to verify my address I said my address is updated with the loan company so I am not sure why they do n't have the correct one. He gave me an address that I had never lived at. I told him that I would call into my school loan agency and get it resolved. I told him that when I completed XXXX XXXX I was going to do the program to rid of my loans after working for a XXXX XXXX for 10 years. He told me if I did n't make a payment then it was going to ruin my credit. I told him I already had bad credit because of my ex husband that I was not working because I just gave XXXX XXXX XXXX XXXX and I would look into it. When I called into check they said all my accounts were in good standing and differed. Then number they are calling me from is XXXX
XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.
I have sent  XXXX  written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
At the closing of my mortgage XX/XX/XXXX I asked the Chase Mortgage representative, what is loan to value percentage I need to remove PMI if the house appreciates in couple of years. At that time he respond 78 %. I called Chase on XX/XX/XXXX to ask for an application to get my house reappraised since the value has gone up and they told me that ratio is now 75 %. I told them that was not what I was told and wanted to file a complaint on the person who had miss informed me. After be transfer 3 times and but on hold for over an hour. I asked the person in the originators office ( at least that is where I was told I was transferred to last ) if they have persons name so I can file the complaint. They said they can not give me that information, I asked if I can have the branch in which is filed so I can lodge a complaint on how they where miss leading customers they said they can not give that to me. I asked why ca n't you not give me the branch info and they hung up. Tried calling back and when I got transferred to the originators office and start to explain what happen they hung up again!

Bottom line, when you are dealing with Chase mortgage department make sure they show you the numbers and not just tell you them. Especially when comes to PMI because that information about how to get out of paying the PMI insurance is buried in the paper work and does not match what they say.
In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,
Deposit to savings account was unauthorized can you provide me image of check also proof of payment or proof of receipt deposit date XX/XX/2017 account # ending in XXXX and check # XXXX amount {$20000.00}. ( item # 2 in document submited ) item # 1 deposited through your atm on the same day for the same amount. 
account # ending XXXX check # XXXX amount {$20000.00} i do have the image for that item i am requesting the image for the counter deposit for XXXX on XX/XX/2017. 
thank you.
XX/XX/XXXX for XXXX title loan car not paid off This Company ( XXXX ) calls us 7 days a week for XXXXto XXXXXXXXat night blowing up our cell phones an this person will not stop this is in violation of the Roth act in California. There is no doubt we owe the money. 

But bugging us with phone calls will not get the money any sooner.
This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both Equifax and XXXX. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.
Navient is committing the same offenses they committed against other student load borrowers against my niece and I. These are the same offenses for which they are currently being sued by CFPB ; failing to work with students having problems paying their loans, failing to apprise borrowers of available options, including income based payments ; and, steering students to forebearance as opposed to other options. 

Navient reported negative information to the credit bureaus stating that I was 60 days delinquent paying my student loan. They did this in an attempt to bully me into paying my nieces student loan, rather than work with my niece by temporarily reducing her monthly payments to an amount that she is currently able to afford. Ignoring my nieces repeated requests, Navient instead began harassing me and demanding that I begin making the payments. Although my niece was experiencing temporary financial issues, she was still willing to pay reduced payments to Navient until she was able to make her normal payments. Navient repeatedly refused my nieces request and demanded that I begin making the payments to the loan. In an attempt to get me to begin paying my nieces monthly payments, Navient was rude, disrespectful and resorted to bullying and threats of filing adverse information in my credit report. Navient also called my home daily and at unreasonable times of the day and night. In response to my demand that they not call my home anymore, they responded that they will continue calling me until I begin making payments on my loan. After I was not moved by their threats, on XX/XX/XXXX Navient retroactivity granted my niece a forbearance period from XX/XX/XXXX to XX/XX/XXXX, the period of time that my niece made reduced payments to her loan. Though, this retroactive forbearance does not remedy the problem of my nieces need to have her monthly payments amended to an affordable amount in the upcoming months. Navient still reported my alleged 60-day delinquency to the credit bureaus for that period.
THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX
I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but  XXXX  will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00}  2.    XXXX  {$5400.00}
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDLAND FUNDING LLC does not have any documentation, they need to retract this from my credit file immediately.