WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.
XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent, please investigate and remove from my report.
This past summer, there were 3 or 4 payments I made to my Home Depot Commercial Credit Card that were mistakenly credited to someone elses account. Citibank ( who handles Home Depot Cards ) did finally credit my account with those misplaced payments. However, they reduced my credit line from {$5000.00} to {$600.00} because of a formula they use to determine credit limit which includes late payment history. They do admit that they posted my payments to the wrong account but will not put my credit back to the original level because they said I was still delinquent! Also, when I asked a manager to call me to discuss, she refused to give me her name or the contact information for me to file a complaint.
I do not have any idea about this collection that was stated on my credit reports for {$650.00}. I never received letter or any other items from them and I do not even know what this is for or who it is for.
I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.
In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.
Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.
Synchrony Bank has placed a negative mark on my credit reports that I had no knowledge of, so I disputed this negative mark with XXXX, XXXX, and XXXX. Surprisingly, the results came back as " verified and accurate ''. Thus, I called Synchrony Bank on X/XX/17 to find out what paper work and what procedures were used to verify this debt. The employee I spoke with, XXXX ( ext. # XXXX ),  informed me that Synchrony Bank does n't have any information on file to verify the debt and that the debt was sold to a collection agency. I disputed this debt with the collection agency, XXXX XXXX XXXX, and XXXX deleted the debt because the accuracy of the debt could n't be verified. I understand as the original creditor SYNCB is n't required to " verify '' a debt, however, SYNCB is required by law to INVESTIGATE a debt that I believe is n't accurate. Thus, I am asking for SYNCB to investigate the amount claimed to be owed, the payments claimed to made, the date the account was opened, and the date the account was closed. Given that, XXXX has already admitted SYNCB does n't have the paper work to complete this investigation, SYNCB needs to delete this mark asap.
State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.
Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.
I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' XXXX ).
I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.
I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.
The name of the card is CareCredit. i used it for extensive dental work not covered by insurance. I bought the " protection plan '' because my husband was ill and I was afraid I may lose my job ( and him ). My husband did subsequently pass away and when I got my last bill, i realized there was more due than the promotions amount. I called and they said that is was interest and fees for the protection plan that amounted to {$1000.00}. They told me that I should have told them how much to apply when paying the bill, I always paid more than the minium. I was NOT told that when I applied for the protection plan. I feel this was deceptive, and that the fees are exorbinant. Can I get some relief from this excessive charge? This practice is unfair and deceptive.
First, they put me in forbearance when i could have been paying some money. I took this loan out XX/XX/XXXX start paying it back XX/XX/XXXX and am currently up to date on payments. They should have offered me to pay at least XXXX dollars a month but instead they pushed forbearance. And secondly, when I missed XXXX payment they harassed my co signer- my uncle, with multiple phone calls every day and threatening his credit - over one missed payment. it was very emotionally stressful and my family constantly fights over it and I am the XXXX in the family now because I had to drop out of college my third year due to helping my grandparents and so my loan had issues. I would XXXX every time the phone rang and still to this day tense up every time i hear the phone ring, they just kept calling and calling and calling ( back when I first dropped out I did n't know what to do with my loans I had no income ). I 'm sorry I 'm not great at describing my issue but all I can say is that they do not inform kids of how important and scary these loans are. Had I know the family XXXX I would go through, I would have NEVER went to college. Worst part about all this, the school told me because I do n't have parents they said oh yea you 'll get all your tuition covered you have no parents, so they said take out this loan now and when they cover your tuition ( fasfa ) they can just pay it back. I never thought I 'd end up with this loan. I was misled by the school. it does n't matter how poor you are, if you have parents DONT BE FOOLED! your tuition will not be covered.
Midland Funding sued me in court. They could not provide verification of debt, so it was dismissed in court. They will not remove it from my credit report. They continue to lie to XXXX saying that the court documentation is not for that account. Even though it is. XXXX removed with no issues. When calling them, they state they will not remove it because they still consider it collectible, even though it is past the statute of limitations, and they already lost in court. I have been denied credit, and have a high APR on open credit due to this.
Hello i have been trying to change my address with XXXX XXXX XXXX. Its a subsidary of equifax i was granted a free account for due to their security breach. I have tried doing it online and their servers are always down. I have tried calling them with no luck. I see it as i shouldnt owe them anything if they cant change my address. Also a company called XXXX XXXX who handles my student lonand wont liaten to me about debt forgiveness because my school was closed. Who do i owe money to if theyre closed due to a federal law suit? Idk. Fix it im XXXX. Had to start a life out of a recession when youre in debt before youre XXXX. XXXX achools and they college promises are XXXX. Fix my stuff please.
I see that there is XXXX credit # XXXX appearing in my credit report which I do n't own. I contacted XXXX today ( @ XXXX XXXX XXXX ) and they say since the account is already closed they cant help .Since XXXX 2016 ( when I first checked my credit report ) I have been contacting XXXX and they never responded properly. In XXXX I contacted them and they asked me to mail the dispute to address XXXX, XXXX XXXX, SD - XXXX and it may take some time to respond .I did so. But in reality till now I never got any response from them. I contacted Transunion twice ( recent dispute raised on XXXX/XXXX/2016 ) and their investigation is still reporting the same details. Since I do n't own this card, I want the details about this card not to appear in my credit report and restore my credit score to a good score. Please help me with justice. My credit score is getting hit with this fraud.
I requested an income driven repayment plan to help me pay back my student loans since I am currently unemployed. Every time I call no one knows what is going on with my account, my student loans, or my income driven repayment request. I 've been lied to, hung up on, put on hold with nothing but dead air so it sounds like they 've hung up on me for thirty minutes straight at least, I 've been redirected to the make a phone payment area when I 'm just trying to get an income driven repayment plan, and make my payments on time so I do n't default on my loans and ruin my life worse than I apparently did when I took out the loans.
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
XXXX XXXX XXXX Ohio Stated I opened account XX/XX/XXXX and open another account XX/XX/XXXX. There is no outstanding balance. 

This information is incorrect.
XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.
In XX/XX/XXXX, I wrote a letter to Navient asking them to send me the correct information about a closed loan that was opened in XX/XX/XXXX. They were reporting it to the credit bureaus as closed and paid late 120 days, but they never showed on the report the specific months or times when I was late. Each month just said OK or ND for no data. When I wrote them, they replied that my claim can not be substantiated and when I disputed the inaccurate information, they replied " meets provisions of the FCRA. '' In XX/XX/XXXX, this same account reported as " time since last late 72 months ago '' now it says " 43 ''. This is ALL wrong and if they ca n't fix it I want it completely deleted from my report bc it is damaging my other wise perfect credit.
Payday loan to get me through a rough spot. The loan was initially for {$300.00} ( I believe ) and I did ask for an additional {$160.00} ( I believe ) when I called they were very vague as to the details. To date I have paid them {$1100.00} and my balance is now {$480.00}. None of the payments have gone to the principal balance.
Wells Fargo still can not explain to me why, they denied my request for financial assistance help from New Jersey mortgage and finance. All I 'm being told by Wells Fargo, they are investigating. Yet they could not come up with an explanation to what happened. Its been weeks and still Wells Fago does not have answer to what happen. NJMFA, was willing to help me out and Wells Fargo refuse to except their help, onmy behalf. 

Other departments stated they have no information on it. It seems like this is being tossed around from one department to another department, and nobody can provide the actual information. I had attached the letter that states Wells Fargo denied me to get help. From this place, that was willing to help with the financial burden and pay Wells Fargo what was owed. If Wells Fargo was all willing to help me why would they denied the request from the state? Why at any point in time will Wells Fargo not accept any help from this agency what so ever? It should matter where it came from as long as they was helping.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX {$7700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00}