WillisBack/dataset-financial-user-claim huggingface dataset:
The primary issue is that I have been overcharged on my student loans for six months due to the length of time that it took XXXX to consolidate my loans and FedLoan Servicing to recognize that I am an XXXX XXXX service member and to re-adjust my monthly IDR payments in line with my military salary. 

I had recently consolidated my student loans with XXXX, which took from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I entered onto XXXX XXXX with United States XXXX XXXX. I had consolidated my loans to begin paying under the Public Service Loan Forgiveness Program, which I certified in XX/XX/XXXX. It took FedLoan Servicing over six months to recognize that I am XXXX XXXX, and to reduce my monthly payment from {$390.00} per month to {$30.00} per month, which they finally did on XX/XX/XXXX. 

While it is good that FedLoan Servicing finally reduced my monthly payment to fit my income, the time it took to adjust the payment resulted in my having to pay the higher payment while receiving far lower income than I was previously receiving.
I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.
I submitted through JPMorgan Chase a request to pay XXXX XXXX {$20.00} on XXXX XXXX. This request was made through my checking account using online billpay. I have previously made 4 payments to XXXX over the last year and half as he is my newspaper carrier. The address it is sent to is in the city I reside. There has never been a problem until now. On XXXX XXXX I received a notice from Chase saying they had the payment under review for XXXX and would not process until I provided his name, address ( both which they had ) Date of birth, place of birth and nationality. I explained I had no info and he was my newspaper carrier and wanted to know why after paying him for 1.5 years {$20.00} every 4 months this was necessary as I was authorizing this payment and it was being sent XXXX miles from my house as he provided me a service ( delivering me a newspaper ) again no answer was forthcoming and no payment has been sent. I have called Chase 4 timesand received NO satisfaction. I understand the need to guard against money laundering but this is overboard - a repeating minimal payment I 'm authorizing and have authorized in the past which were processed without a problem sent locally feels like Chase is either incompetent or engaging XXXX profiling. I am filing this complaint because I received no answers from Chase after multiple calls and a visit to the branch - the local XXXX, Ca branch attempted to be helpful but were stymied by corporate. Since I have received no satisfaction from Chase regarding this I am filing this complaint.
For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, XXXX Breach, XXXX/XXXX   Breach, XXXX XXXX XXXX Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having XXXX and Experian comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the XXXX breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and  credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
I acquired a XXXX Loan in XXXX for my primary residence that XXXX modified in XXXX because it was a poor loan product, ( Neg-Am ). Myloan servicer transferred to Nationstar in XXXX XXXX and the terms of my loanmodification are not sustainable because of annual interest rate increases. Ihave been actively engaged with Nationstar since XXXX XXXX and eachapplication for a loan modification receives a different response with the samesubmitted documentation. My HUD counselor recommended a loan programcalled a FHA Short Refinance for homes with negative equity. I have called, emailed, and certifiy mailed Nationstar for XXXX-years about the FHA ShortRefinance program and Nationstar will not put in writing whether or not myNationstar supports this program. My lender is XXXX XXXX Bank, which theysupport the FHA Short Refinance Program. In my last letter received fromNationstar they assigned me my XXXX ( XXXX ) " Dedicated Loan Specialist '' which when you call their phone number, he states on his voice mail that hisname and phone number were inserted into XXXX of customers lettersby mistake and he can not help you, he proceeds to give you the XXXX customerservice phone number. 
Compliant:1 XXXX Nationstar fails to respond to my questions concerning FHA Short RefinanceProgram. 
2 XXXX Nationstar 's Dedicated Loan Specialists '' are not real ; only on paper theyexist ; I have not received a call back from a single Nationstar Specialist. 
3 ) Nationstar asks for the same documents multiple times stating they were notreceived. This has gone on for XXXX+ years when applying for loan modification. 
4 ) Nationstar uses the veil of waiting XXXX days to respond to every writtenrequest I 've submitted. This technique only allows XXXX back and forthcorrespondences in XXXX days ; thus, your documents expire and new documentsmust be resubmitted starting the process all over again. ( I have saved everyletter from Nationstar ) 5 XXXX My customer service representative responded to my last request withoutreading a single page of my package of material I mailed in. His response wasopposite to documents that HUD sent to me to give to Nationstar about FHAShort Refinance Program requirements. Nationstar stated that I did not qualifybecause I had a Conventional Loan and not a FHA Loan. The FHA ShortRefinance Program states you MUST have a Conventional Loan to beeligible and not a FHA loan. 
Thank you for taking my complaint about Nationstar performance as athe Servicer of my home Mortgage.
My Chase Sapphire Preferred Card is punishing me with an APR of 24.99 %. I called up and got unfriendly and nasty client reps who were not able to work with me on the APR. I have no bankruptcies, liens or foreclosures. Chase says there's nothing that can be done. You mean we can land a man on the moon, but you can't input a new APR? Hmm ... .Seems unacceptable to me. I will not stop making a fuss about this. Chase needs to lower my APR significantly. This is absurd.
My husband and I originally ordered a gas range and a dishwasher, but we discovered that we only needed a dishwasher. We have talked to the orders and contract department, in the store over the phone. They claimed that they adjusted the bill, which originally was XXXX ( page 6 ). They deducted the {$640.00} ( page 9 ), but they kept a remaining balance of {$450.00}. They should have created a new order receipt. 

They installed the new dishwasher and charged me for it and for the installation, which was {$480.00}. I have the receipt where it shows that only a dishwasher was delivered, so my bill should not have this overage amount.
Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. 

They have also called me and my employer and threatened imprisonment.
Purchased in XX/XX/2018 a washer and dryer from Home Depot Stores, XXXX XXXX IL. Canceled said order two days after initial order since we decided on NOT purchasing said units. Home Depot Credit continues to bill us for the original purchase and also the extended warranty and refuses to remove said charges from our dedicated Home Depot Credit Services Card. We have disputed these charge since XX/XX/2018 billing and it is NOW XX/XX/2018 and Home Depot Credit Services is still billing for the Washer and Dryer and Warranty that we never received and had canceled. We have called, emailed and written Home Depot Credit Services and yet they have failed and refused to acknowledge the fact that 1. We canceled the purchase and never took possession and 2. They continue to bill us for services and products never received. 

XXXX XX/XX/2018
State collections has called me on a previous bill I owed them during the call they violated HIPAA. I told them then to cease and desist my account and that I did not want an communication. Tonight I had another call via message dial for a new account that had listed in their office and after sitting on hold for over 4 minutes before being connected to a representative they refused to tell me their company name. They insisted I must verify who I am and that they would not give out their company name without that information. I told them to cease and desist my account again and that they are never to call or mail me anything.
I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Bank of America ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek.
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate.XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : XXXX XXXX XXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Through XXXX XXXX XXXX XXXX I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the XXXX XXXX XXXX directly, as instructed, and advised each time I call XXXX that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.
I have had the same company ( XXXX XXXX XXXX, XXXX ) XXXX ) has created false accounts and reported them to my credit report 3 times, which has had negatively impacted my credit report. I have contacted the agency they would temporarily take it off my credit report and then reopen another account at later date. is there anyway to permanently block this company from adding false claims to my credit report?
On XX/XX/XXXX, I went to XXXX XXXX XXXX and clicked on Transunion to get a free credit report. After going through the application process, it said that my request could not be processed online and gave me a number to call. I could never reach anyone at that number. Now I see I was billed {$19.00} for the free report I did n't receive. Moreover, the login I created only worked one time. I ca n't get back on their website. In reading complaints others have filed on XXXX XXXX XXXX about their customer service, I decided to act proactively by filing this complaint rather than engage in the inevitable fight I 'd get into dealing with them directly. Thanks for your help
Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.
As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency  Portfolio Recovery Associates   XXXX   XXXX  . On my  XXXX  credit reports  (    XXXX   XXXX   XXXX   ) . I have disputed this item many times myself, as well as  XXXX   XXXX   XXXX  ( which during this process it WAS removed from my report &amp; placed back on without giving me any notice within 5 days ) only to have it still remain on my  XXXX  credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when  Portfolio Recovery Associates   XXXX  purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a   XXXX   XXXX   XXXX  letter to  Portfolio Recovery  asking for  VALIDATION o f this debt. A contract, signature, amount owed, how much they (   PRA )   purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL  XXXX  credit bureaus within a timely manner &amp; to NOT be placed back onto my credit reports.
NAVY FED ERAL- steering.   I am a   XXXX   XXXX   XXXX   with  XXXX   XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted   XXXX   XXXX   XXXX    in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement.   My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a  XXXX   XXXX  agent  ( Navy fede rals referral company ). TO HAVE   XXXX   XXXX   WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!!   It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.
I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment
Read in the article the Santander auto loans is beign suit by the government for charging high interested rates to consumer and lie to investor that consumer is willing to pay for the loan
Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b  ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..
I have been a customer for over a decade with PNC. Last year they convinced me to change my type of account promising no additional fees and only positive changes. The main selling point being that they would now pay for other financial institutions ATM service charges. Turns out, my previous account did n't have PNC charges for non PNC ATMs. So this account had extra fees! I called in and asked to be reverted to my previous account type and was told it no longer existed and that was n't an option. I was upset at the false information given to me, but as long as they were paying for both sides of the ATM charges that was ok. Now, less than a year later they are removing the main selling point feature of paying for other institutions ATM fees!! I stopped by a branch with no help. I called in to the service center with no help. And, when I referenced the CFPB it was escalated for a manager and I was put on hold for over XXXX minutes, with no help or changes! This was a deceptive marketing tactic used to get me out of a product they did n't like anymore and then pull the main positive features of the new product with in a year!
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification. And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX   XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX  ( XX/XX/XXXX )
I have asked First Fed Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, XXXX, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.DIRECT LOAN SERVICE SYSTEM # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX