WillisBack/dataset-financial-user-claim huggingface dataset:
In the later part of XX/XX/XXXX I received a call from a collection agency that my American Express account had been sent to them for non payment. On XX/XX/XXXX my city was struck by the XXXX storm my home and possessions were flooded. I was left destitute. My family had to walk thru waist deep water to get to high ground to be rescued. From the time I opened the Amex account until XXXX XXXX 2017 I  have paid my bill on time, even my XX/XX/XXXX bill was paid on time. My last payment was on or before the XX/XX/XXXX. However XX/XX/XXXX brought about a hardship. I called Amex and explained the situation as was told that I would be excused from paying the XX/XX/XXXX and XX/XX/XXXX bills. In fact I called all my debt account and explained my situation and was told the same. I have a great payment record with them and wish to keep it that way. I made a second call a few weeks later to confirm my being excused from paying XX/XX/XXXX bill just to be on the safe side and was again told that yes, due to the situation Id be excused. However, later that month I was called by a collection agency and told that my Amex account had been turned over to them for non payment. The lady stated that this might be a mistake because she sees that it is less than 60 days behind. I have been contacted by more than one collection agency regarding the Amex account. I find this more than upsetting ; I was a good paying client, I lost my house, my car, all my possessions because of something that I had no control in. I presented this information to Amex and was told that I could miss the XX/XX/XXXX payment without penalty. Yet they submit me to collections ; my credit score has been affected. Collection agencies are harassing me about the Amex account. 
Ive had issue with Amex in the past charging interest on purchases when I did not make purchases but this is too far. I am in a position where I need to rely on credit to rebuild life for my family and am being denied because of this stunt from Amex.
I bought a XXXX from a woman in XXXX for XXXX. It was suppose to be shipped to me by XXXX. The carrier has charged me the first time XXXX for insurance then XXXX for air-control crate and then they tried to hit me up for over XXXX and I said no more. I feel this is a scam and they have took everything I have.
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.
Navient services my student loans. I have tried repeatedly to enter into the income based repayment plan. I have gone through forbearance several times as my income was low and wasn't given another option. I found out about Income Driven plans and asked to be enrolled. My first application was in XX/XX/XXXX. I submitted all information as required. On XX/XX/XXXX, I was advised documentation was missing. I submitted that immediately and nothing happened. I called and was told the application was not processed and I had to do it again. I submitted the second time on XX/XX/XXXX. Again I sent in all information required and again nothing happened. I even received a confirmation email that all was received. I called in twice to check the status and was told to allow 10 additional business days. Nothing happened. When I called the third time I was given another option to consolidate the 2 loans and in the process apply for an income driven repayment plan. I did so on XX/XX/XXXX. The consolidation was processed immediately. The repayment plan still hasn't been approved.

I am upset that for so long when I didn't really have income I wasn't given the option of applying for an income driven plan, but instead continued to be put on forbearance. And now that I have applied 3 times, nothing has been processed or approved. I started this almost 8 months ago and all the while continue to build up interest and late fees.
Purchased a vehicle in XXXX from ADF Automotives out of XXXX, Ms . Had major problems with the purchase later to find out the vehicle was salvage and this was the reason for the persistant problems. Have all proof and documentation on this behalf as it was left in the vehicle. I took the car to be fixed 5 or more times within a year. They kept my vehicle a full month at one time. I am and was a very loyal customer paying ALL payments on time every time. Never missed one til this day. I paid almost 10K on the car before I traded it in. Had to go through a lot of drama just to get a trade in as they gave me a run around after complaining numerous times even though their contract states you can trade after so many months of service. After letting the company know of further action about to be taken they insisted on fixing the problem and me getting another vehicle. I purchased a new one with the company. The company sold the salvage car a week later. And failed to put the XXXX  to my new account. Basically making me start completely over having no trade in. They also just got away free with XXXX which is a lot of money. I found out this was illegal through proper services explained. Two weeks later I received a clear and free title for my new car purchased. The company failed to put a lien on it from the new agreement and signed the car over completely to me. This then became a problem as I was threatened and told something could be done " By the push of a button ''. I never signed a new contract with them to get the lien and they got one anyways. I then  got a heads up through an attorney that XX/XX/XXXX my name was forged to get the signature if i did not re sign paperwork after the contract was broken. Now I am having ANOTHER problem as I have had the newer vehicle from them for 8 months now. Paying thousands of more dollars to find out that my balance has never went down and is higher than when I originally started the loan. These people are scamming me out of thousands and thousands of dollars. I have almost paid $ 13000- {$15000.00} and have gotten no where. I am looking into legal help as I do not want anyone else to go through this torture it's sickening and they know exactly what their doing. They are a complete rip off. I have all documention from pictures. Payment receipts. And all documentation I need to prove I am indeed being messed over. I have tried to have an understanding with the company and the owners but they do not take it seriously and are doing nothing to fix the problem. The owners wife XXXX re did my account. The husband ignored me. On top of every month being harrassed on behalf of insurance they say I never have and I do faithfully every time. I need someone to look into this company as I have others willing to sign a petition on behalf of being scammed by this company.
I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX  Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX  Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX  Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX   Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX  Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason.
My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees. 

This is unacceptable for anyone to take my hard earned money and take all my money from me.
I had several credit cards with XXXX XXXX that I paid off and planned to close most of them. After the cards were paid off, I received letters in the mail from XXXX XXXX showing my credit score and notifying me they were lowering my credit balance. 

I never gave Synchrony permission to run my credit, I never asked for a change in my credit line, and I do n't know what gave them the right to run my credit without my permission.
Supplied XXXX, and Equifax credit bureaus with the Faxed, PAID IN FULL letter from XXXX   XXXX XXXX, I also spoke with reps from XXXX XXXX many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
I have been an extremely loyal customer to Citi for nearly a decade. In that time, I have NEVER paid late on my account. Upon checking my credit report I was astonished to find out that there was a late report on my account in XXXX of 2014. 
The late report was due to Citi not applying a payment. Citi stated that the account that I used to make my monthly payment was frozen ( I used my routing number and account to pay ). This was inaccurate because the payment went through using the same account as a debit card transaction. This account has never been frozen and it has always been and still is in good standing ( I have a letter from the company stating this ). 
This has caused my credit score to drop as well as my credit limit to be reduced. Citi will not remove the late payment. They are just reiterating facts and not taking responsibility for their system misidentifying my payment account as a frozen account. This is the reason why my payment was received after 30 days even though I attempted paying my account twice. I even made XXXX payments that finally went through correctly to bring my account current as I am a responsible customer that does the right thing. Citi does not want to rectify their mistake when dealing with a long term, loyal customer with spotless payment history.
The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.
CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. 
Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}
Yes my middle initial is incorrect with TransUnion, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with TransUnion. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.
I have paid approx. {$21000.00} on a {$14000.00} car and 4.5 years later with no late payments I owe approx {$9000.00}. They have refused my attempts to pay off early by applying extra money to future months instead of applying it against the principal. Arguments are all they offer. ( I will locate supporting documents as needed. )
I was never notified of the debt and was on a payment plan with the medical service provider to make sure this got paid on time. This is a nuisance collection.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified Barclays Bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was mailed to Barclays Bank XX/XX/XXXX however as of this date Barclay has failed to provide an update or resolution of the investigation. This is a violation of the FCRA and my clients consumer rights.
Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}
On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA.
On XXXX XXXX,2017 I sent a dispute to XXXX for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to Experian for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.
I refinanced my car with Bridgecrest through XXXX XXXX. Everything was fine and seamless. Out of nowhere, after accepting XXXX 's money, Bridgecrest is refusing to send XXXX the title for my XXXX XXXX XXXX. They are saying they don't want the payoff from XXXX. However, they already took the money. I have already worked with my new credit union and everything making payments.
On XX/XX/XXXX I submitted a dispute to Equifax with no response. I submitted a duplicate dispute XX/XX/XXXX. Equifax sent a regular credit report instead of an answer to my disputes. this places them in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information * ( 1 ) Reinvestigation Required * ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

* ( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
In XX/XX/2015, I terminated a lease early with XXXX XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XX/XX/2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both Transunion and XXXX to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
Navient-XXXX XXXXXXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX, to utilize XXXX which is now known as Navient. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX with a XXXX and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.