WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.
XXXX UniversityXXXX XXXX, OHLender is Navient ( formerly XXXX XXXX ) I have been fighting for 9 years about a loan because I was not aware of any students loans being private loans. When I was in school, I only used FAFSA and I used loans from XXXX XXXX and XXXX. I was not notified that these were private loans. In fact, all of my loans had to be cosigned because I had no credit. I spoke with them many many times about this loan and explained that I did not request private loans ever. In 2011, my parents filed for bankruptcy and all of the loans that were cosigned by them, were dismissed in their bankruptcy. I no longer have XXXX loans on my credit because of this. Unknowingly, XXXX more loans appeared on my credit and my mom 's credit recently. When we talked to them about it, Navient told us that they were cosigned by my stepdad, who is deceased, and that they have always been loans with them. To my knowledge, these XXXX loans were not my loans nor were they loans my stepdad cosigned for because they would have been put into his bankruptcy and discharged along with the XXXX loans. These loans are now hurting my credit because I ca n't pay them back. I am a XXXX Veteran and am on a fixed budget. My federal loans have been discharged due to my XXXX and I can not get Navient to forgive these loans. They have continued to rack up interest and shows past due because they will not fix it. According to my report, Navient has reported that the loans have been written off or charged off as bad debt but yet the interest continues to rise and past due amount continues to rise.
Frederick J. Hanna & Assoc. P.C. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.
NAVY FEDERAL CU I never had a navy account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit.

Balance {$16000.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
I went to XXXX XXXX  college in XX/XX/1995. The college went out of business and I never got a degree
XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX
I am unable to verify my identity even though I answered the questions accurately. This has happened with Equifax and XXXX ; I had no problems with XXXX. It looks like someone opened accounts using my information and obviously I do not know any of the information pertaining to the debtors.
Best Buy has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Happened on  XXXX / XXXX / XXXX  They claimed I owed {$290.00} over a credit card I never owned. They knew the la st 4 di gits of my social and my address. They claimed the account was opened in  XXXX  with my current address when I did n't live at my current address in that year. Their language was abusive and harsh and did n't let me speak, they just kept demanding money and payment.
This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.
On XX/XX/2018, I used my back credit card to order a replacement ssn card for my daughter. Originally the online service said free, but then it ask for credit card information and I was charged {$39.00} to my account. I did not have all my daughters information, so I could not fill out the application. When I tried to cancel the transaction, I was told another company was who I needed to contact, not the company that took the money out of my account. 
The company that took the payment was Skrill USA. Inc.
I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.
XX/XX/17 I transferred {$21000.00} to Coinbase Inc to be deposited in my account. I received an automated response that it would be delayed by 2-4 days. My account has still not been credited for the amount after 12 business days. I submitted 2 support tickets, and reached out to other representatives and still have not heard anything back. 
Coinbase support ticket # XXXX
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim of their security breach according to their equifaxsecurity2017.com website, and I would like a resolution.They did not notify me in a timely manner and put all of my personal information at risk.
CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.
Per XXXX at XXXX XXXX XXXX Ph # called and gave me ID # XXXX. She stated that the file is in litigation status and that they have filed a civil suit againist me. When I requested to get the debtors information she declined information several times. She transferred me to another Rep whom gave me the information for Bank of America and gave me a number. I called Bank of America and they advise that that Case Manager XXXX would help me. I spoke with XXXX whom advised that she was collecting on a debt from 2008 I advise that the statue of limitation for collection has been exceed and she went to say that they had the right to continue to sue me for {$6700.00} for a credit card that I am not even aware that I had. I asked for more information but they wanted to just continue to ask me for my personal information such Social and DOB and address.
This involves Western Union, two problems. Problem number 1 : Points not credited to my Western Union Rewards account. Agent transactions are now not using the WU Rewards number but the customer 's phone number. They told me my reward points would be posted to my account when the money was picked up by the receiver. The money was picked up, but my rewards points were never credited to my account. See attached receipts dated XX/XX/XXXX and XX/XX/XXXX. Problem number two : Sometime between XX/XX/XXXX and XX/XX/XXXX, the points on my rewards account disappeared. I had made a internet transactions on XX/XX/XXXX and XX/XX/XXXX and rewards points were correctly posted. Upon checking my account on XX/XX/XXXX my entire account points were gone. After trying to get through to many agents to report fraud or theft to my account, on XX/XX/XXXX, a representative said my points had expired. I asked why, and he said they recently expired as I had not used them in a year. I asked him when was this changed and why wasn't I notified. He said I was notified. I asked when and to what email address or home address, and he could not answer. I have been a customer since XXXX and have never had points taken away from my account besides redemptions. My last point redemption was on XX/XX/XXXX. See attached last two transactions and current statement from my account showing XXXX  points. Western Union has done nothing to restore my points.
My friend received a call at work in reference about me owing money. Told her about allegations against me and said he would have my drivers license suspended and wage garnished plus contact the social security for fraud. Is this legal in Texas to have a company named ADR XXXX Group to call a third party person to leave this information?
I have provided the attached documentation of identity theft to all XXXX Credit Bureaus regarding an identity theft and wrongful IRS Tax Lien being reported on my credit report. The IRS removed the claim, as have XXXX of the XXXX reporting agencies. TransUnion has said that I did not provide enough proof, even though it was sufficient for the other XXXX agencies. When I pressed a supervisor for what more information needed to be supplied the answer was 'I do n't know. ' This is unacceptable that a CRA can report obviously incorrect information on my credit report, and refuse to tell me what information I need to provide in order to have this fraudulent information removed. TransUnion in my opinion is making up their own rules, and is operating outside of the law with regards to credit reporting. I was a victim of identity theft, and TransUnion is continuing to victimize me by reporting false information after being provided sufficient evidence to support this. Additionally, they are causing me undue aggravation and duress by failing to comply with the law regarding removing false information from my credit report. I am requesting you take action against them, and let them know they are not above the law.
I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017
XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.
On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus.
I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.
I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. 

My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. 

I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.
Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!
I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.