WillisBack/dataset-financial-user-claim huggingface dataset:
My information was posted online in XX/XX/XXXX, I placed credit freezes at all of the credit agencies then. In XX/XX/XXXX, Experian lifted the credit freeze without my knowledge, without my permission, and without notifying me. I found out from a credit card company. I refroze my credit with Experian, and they AGAIN lifted the credit freeze in XX/XX/XXXX without my knowledge, permission or without notifying me. I again found out from a credit card company in XX/XX/XXXX. Experian said that my freeze had been lifted online after someone ( not me ) answered all the publicly available security questions correctly. The thieves then added addresses to my report, and used that information to open several accounts, add their addresses to my mortgage account and request checks against our home equity, request a student loan in my name, and steal money from my checking account. Experian allowed them in by allowing them to reset my freeze pin online by answering questions that are easily verifiable and researchable, without notifying me. And now, they won't allow me to enroll in their so-called protection ( which does not include notifications!! ) because they can't verify my identity. It is unconscionable that private companies who are so lax with information and security are allowed to continue to verify my credit. There should be a way to opt out of their services, or there should be a government agency that controls this -- NOT THEM. Once the thieves had my credit report, they had all the information they needed to break in again and again.
I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.
I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.
Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.
their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies
STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? '' This happens at many retailers and I give them my phone number. The clerk asked for my driver 's license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n't have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER.
XXXX has Charged off a XXXX in XXXX, and have added it to my Trans Union and XXXX credit reports as a brand new Unpaid Charge Off Debt, plunging my credit score, they have done this for the past 3 years every XXXX, the most recent is XXXX XXXX XXXX. I live in Colorado and the statue of limitations is 6 years, it is illegal for XXXX XXXX or any creditor when a debt is old to put it on a credit report as a brand new debt. I have disputed this with both XXXX XXXX and The Credit Bureaus they will not remove this debt. I have XXXX other XXXX and a XXXX with XXXX XXXX that are paid on time every single month. I have been a loyal customer to them for several years and yet I am being denied a Mortgage because XXXX XXXX continually puts this old charged off account on my Credit Report as Brand New making it look as if I just had this XXXX Charged off and refuses to remove it. Please help.
I have sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
XXXX, XXXX and Experian are reporting misinformation On my credit report. XXXX XXXX should show a XXXX balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX  balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
booked a car rental with XXXX from XXXX to XXXX ( in XXXX florida ). 

the amount is XXXX . 
they booked my reservation with a company called XXXX  XXXX. 
when i went to pickup my car in XXXX XXXX this happened - the person first took all the details, like the voucher number from XXXX, my card. LICENSE number etc. was rude from starting when i came in, asked me to purshase tolls first, i said, i am here visiting family. i know the routs. don't need tolls, then asked for insurance, i said i have my insurance with XXXX which covers everything and also have secondary insurance with visa card which i ought my order which covers secondary insurance, he straight away cancelled my order and gave my cards back ( cc and license ), i asked him to check my insurance if he wasnt sure. he said i already cancelled your order. take the money from the online company which you booked, as you did not book it with me i am not giving you anything. 

My view - the person was pre determined to cancel my order as i see here as he said i did not book it with him directly, even the XXXX reviews say the same, as i checked it afterwards, ok so after this, i did not pick up the car and no service has been given, therefore, i contacted XXXX  for the same saying that i did not receive the service which was booked and need a refund as i did not get any service, XXXX has no response yet on the same, they still say we are looking into it. 


then i call my bank ( visa bofa card ) and say i was charged for the service which i did not get and did not even use it. bank closes my claim saying that there is no billing error and not paid me the money back again. 

called and explained the same to customer service of claims dept. they say there is no billing error and they stand by the denial of the claim. 

NOW I DID NOT GET ANY SERVICE, ALREADY TAKEN THE MONEY FROM ME, I WAS MISS TREATED AND RUDE BEHAVIOR TOWARDS ME. WASTING MY TIME ALL THESE DAYS AND ALSO THE BANK DENIED MY DISPUTE CHARGE AS WELL. NO SERVICE AND ALSO MY MONEY LOST, I THINK THIS IS INJUSTICE AND NOT FAIR. 

PLEASE HELP ME IN THIS.
XXXX XXXX continues to report on XXXX and Transunion incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and Transunion disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
On XX/XX/XXXX I was notified by XXXX XXXX that there was a change to my credit report upon review it was United Finance submitting as if I was applying for a loan. I have not applied for anything since XX/XX/XXXX with this company so I called on XX/XX/XXXX I called United Finance to see what it was about and was told it was to garnish my wages. I then inquired what for they advised for a auto loan that was taken out in XX/XX/XXXX. I disputed the claim and was sent a letter for ID theft asking for copies of my ID which I would not send. Then I contacted them again the next week to get balance and last date of payment and judgement date and court filed at I was told balance is {$12000.00} don't have record of last payment judgement dateXX/XX/XXXXXX/XX/XXXX and through XXXX County. I had sent a request to XXXX County to get a copy of court documents in which it states that a letter was mailed to a address that I was not at for at least 1 and half years prior. Still to this date I have not received one notice from United Finance even though they say that they sent statements. This loan was originally for {$2000.00} now almost 20 years later they are wanting over {$12000.00}. Per the court papers principal balance is {$1600.00} and filed on XX/XX/XXXX which is well past the 6 year statue of limitations.
XXXX/XXXX/XX/XX/2015 - While attempting to correct date of birth error in my credit profile via TransUnion website, I received an error message that instructed me to call TransUnion customer service at XXXX XXXX XXXX XXXX. I then called customer service representative at XXXX XXXX PDT and was told I needed to call TransUnion dispute resolution center at ( XXXX ) XXXX during normal business hours. 

XXXX/XXXXXX/XX/2015 - I called TransUnion dispute resolution center at XXXX XXXX PDT and spoke to XXXX XXXX. Happily, XXXX XXXX was able to correct an error in my address history, but unfortunately XXXX XXXX refused to correct my date of birth.
Im writing you this letter to inform you that XXXX XXXX  will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX  was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.
Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.
I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.
Borrowed {$5000.00} for college and have been paying on the loan since XXXX and now in XXXX still owe {$3000.00}.
A GB/pound transaction on XX/XX/XXXX, on XXXX, paid by via direct credit card but interfered by PayPal, in the amount of XXXX BG which at the time of transaction was XXXX XXXX but the actual charge to my credit card was XXXX XXXX thus some hidden fees were applied and charged to my account without clearly being stated. My attempt to solve the dispute with PayPal representative, XXXX XXXX ( as she presented herself ), and get the XXXX $ refunded to my account failed despite the obvious differences. PayPal representative continue to state the the exchange rate at that time was different from what I had at the time we had the discussions ( XX/XX/XXXX vs. XX/XX/XXXX, the actual day of transaction ) I think this XXXX $ are hidden fee and need to be clearly disclosed by PayPal when charging a person 's credit card.
I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due t  XXXX   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX  I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX  via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.