WillisBack/dataset-financial-user-claim huggingface dataset:
According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
Nelnet engaged in Predatory Loan Practices. 1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so They sent 3 letters with 3 different amounts for payments and admitted doing so. See previous correspondence. Now they say there not liable.

2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay Nelnet is a contractor under Department of Education and must follow those contractual guidelines 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender Nelnet has inflated interest by changing fees, Interest, payloads nd notices without knowledge to clients 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan Nelnet is a Lender and on Behlaf of Department of Education this is a contractual violation 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender Nelnet as a contractor bought or collects debt under same predatory loan guidelines that Department of Education must follow 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans The were negligent by not negatively effecting Department of Education of Collection and Targeting Effects based on the reseach
A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!
Navient never offered me any form of relief from my high monthly payment other than forbearance or deferment. I have inquired regarding any type of loan relief possible from Navient and was never told that I qualified for income based repayment ( which I applied for yesterday ) and have been paying on my loans for many years despite being on mostly fixed income and I am currently XXXX years old and forced to work at XXXX for the last 9 years to sustain myself. I believe that my payments have encompassed approximately 17 years and that my loan balance has remained within only several thousand dollars during the entire term of the loans!
I received a letter XXXX/XXXX/XXXX from the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX stating they represent Midland Funding in a debt I supposedly owe. I responded to their letter within 30 days requesting proof of debt by certified letter. I never heard anything. I sent a second certified letter requesting proof of debt. I still have n't heard anything back from them or received the proof of debt as requested. XX/XX/XXXX, I started the process of refinancing my house. I was informed that I would have a higher interest rate because this debit is on my account and listed as disputed. I have tried contacting Midland Funding. On XX/XX/XXXX I spoke with XXXX. XXXX informed me that no one would be able to comment on my account. I tried to get this issue resolved with no help from Midland Funding LLC or the Law Offices of XXXX, XXXX, XXXX, XXXX XXXX XXXX.
I found an unknown XXXX XXXX XXXXXXXX account in my credit report at the end of XXXX. I contacted Experian and try to dispute it. Then Experian told me the result is accurate on XX/XX/XXXX. The unknown XXXX account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both XXXX XXXX  XXXX and Experian said the credit card account was belonged to me. I only have one authorized XXXX credit card account from my wife. It was opened in XXXX and I checked the account number is different.
XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.
A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.
I sent a direct dispute to XXXX about a card that is on my credit file. XXXX sent me a letter stating that the delinquent account would be removed from my credit files within 30 days. However, it is still on my Equifax report. Therefore, I sent a dispute to Equifax along with the letter from XXXX showing where they stated the removal of the account from my credit file and Equifax still refuses to remove it off of my credit.
I had a lease with Ally Bank. XXXX XXXX of XXXX, XXXX sent me a notice that I could get my lease pulled forward 4 months and they would pay for it. I agreed to this arrangement. I then bought a car from them. Two weeks later I had {$270.00} taken from the account set up to pay the lease to Ally. I immediately called them and asked them to return the money to my account. They told me I would have to get my bank to send the proper paper work to have them return the money. I called my bank. They told me to have them put the money back. After an hour and a half of talking to both banks my bank said they were just screwing with me and to tell them to put the money back. I did so. They told me they were holding the money incase there was circumstances that warranted them using the money for damages. They told me the car was going to auction and they would get back to me. 
I got a check from Ally for {$50.00}. I called to ask why I was getting this check. They told me it was an over charge from XXXX XXXX. About a week later I got a formal letter that said Account Settlement. Remaining Base Monthly Payment ( 5 @ {$270.00} ) Less - Unearned Rent Charge {$150.00}, Less- Surplus from Vehicle Sale {$0.00}, Net Remaining Base Monthly Payments {$1200.00}. Less - Net Remaining Base Monthly Payments {$120000.00}, Less - Excess Mileage/Excess Wear Charges {$210.00}, Less - Sales/Use Tax on Excess Mileage/Excess Wear Charges {$10.00}, Balanced Refunded {$50.00}. I had talked many different people at the bank. One said I would receive money back from the sale of the vehicle at auction. I would also get my {$270.00} back. I told them that they had done a poor job of getting the lease at XXXX miles where the seller of the vehicle knew the one to drive the vehicle had vision problems and would never use the vehicle for more than XXXX miles/year. I won the vehicle in a divorce settlement. I tried in the last year to drive the vehicle as many miles as a could. I went over XXXX miles in 9 months. 5 month pulled ahead and 2 months spent in XXXX not driving the vehicle. I was over XXXX miles under the XXXX lease miles. They told me that I had a scratch on the vehicle so they took {$21000.00}. I told them that I had returned the vehicle with no damage to XXXX. I also told them that I returned the vehicle with XXXX miles less on the engine, motors, paint, pumps, etc ... I told them I was getting a lawyer to settle the issue. The lawyer told me to call you because it would cost me way too much to use him. I would like to get the money back and money from the excess miles they charged me from XXXX to XXXX miles. One person in the bank talked to another person and told me I would get money also back from the auction. I know that that is not normal, but I have talked to XXXX people who have received money. I would be charged {$0.00} for every mile I would go over XXXX miles. I told them that I wanted {$0.00} for every mile I was under XXXX miles. Of course, they told me that that has never happened before. Is there anything that can be done in this matter?
I contacted Transunion about inquiries on my report that were n't authorized by me. I also contacted Transunion about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.
This is my third complaint. Keep your home CA ( KYHC ) is assisting me by paying {$3000.00} towards my payment. Their portion arrives towards the end of the month and my portion is due on XX/XX/XXXX. My XX/XX/XXXX was paid on XX/XX/XXXX. On XX/XX/XXXX I had to follow up since my payment was still showing as unapplied. XXXX XXXX, employee of Nationstar replied on both prior complaints therefore I reached out to her via email about the payment not even being applied yet. She responded on XX/XX/XXXX that I should see it updated in 48 hours. It was not applied so called and voicemail indicated she was out of the office until XX/XX/XXXX. I called their customer service, which never can do anything but open a " request '' to have my payment applied. On XX/XX/XXXX, I received a response from XXXX state that the payment has now been applied and that KYHC is not requiring the payment to be posted on XX/XX/XXXX. Frustrated, I looked up my payment activity and confirmed the payment had been applied as of XX/XX/XXXX. I then responded to XXXX to indicate, I have never said that this was a KYHC law but part of the CFR that payments should be applied timely. It seems because I am receiving government assistance that I am not treated fairly. I have to notify them each month that payments are all in so that someone can manually post them to my loan and almost each time, they are not back dated to the date the entire payment was received. Please note, I understand it takes time to put the payments together and apply but if it takes them over 3 weeks, just post it with the correct effective date when the entire payment was received. <P/>Today, I received a call from KYHC that they were requested by Nationstar to tell me it was not their requirement to back date payments. They also told me that Nationstar does n't have the ability to back date or it takes extra steps. I apologized to KYHC as this has nothing to do with them and asked her to please notify Nationstar to explain " why '' they are refusing to be compliant with the reg and not posting my payment as of the date it was received to the CFPB. The ongoing excuse is we are not reporting you as late or charging you late charges etc. I in fact do receive late notices which in turn I have to contact them to fix the payment each month if I fail to notify them that the payment has been received by them. <P/>Last complaint was responded to on XX/XX/XXXX indicating that it was error and it was corrected. <P/>Prior compliant was XX/XX/XXXX and all prior errors were corrected. As previously stated I still had to contact, XXXX XXXX to notify her the payments were made and she would follow up to ensure they were applied and backdated. XXXX continued this for about a year until the Hardest Hit Department started to refuse to fix the payments in XX/XX/XXXX which lead to my second complaint. Despite no late charges this year, there was one last year which they finally reversed.
To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4.  Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph
I did not receive anything from this company about any debt owed but they are showing on my credit report without any notice.
I was making a hotel booking at the XXXX XXXX hotel chain. I found a good deal and was looking at prices. I saw they were advertising the Chase Bank credit card for XXXX. I clicked on the offer and was taken to Chase.com website. I took a screen capture of the offer where they offered 3 free nights after spending {$5000.00} on the card on 3 months. My application was submitted successfully directly with Chase and I got approved for the card. I called Chase to confirm the 3 free nights and the lady on the phone ( XXXX ) told me she didn't see the 3 night offer and to send chase a private message through my online account portal. I did and they replied that they needed to see a copy of the promotion. Thank XXXX I had taken a screenshot so I sent them that and after that they said they couldn't honor the offer. This is classic bait and switch and has left a very very sour taste on me, to be gamed this way but what I thought was a prestigious bank.
This is in reference to my joint account with my husband with GM Financial. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXXthat they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called GM financial who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX  and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX  now has a charge off for Charge offXX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX  show worst delinquency as 90 days which is not reported at this time and XXXX shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX and XXXX it shows {$7700.00} and XXXX  nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, XXXX XXXX
I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX
If I am I am 1 day late the creditor calls my house cell and job I have told them not to call my job because it is a personal call so they call my job ask for me to make sure I 'm there then hang up .I am not even behind by months only a few days .my job hours and the creditors hours are the same I have a day off n the week every other week then I go pay them but if it is 2 weeks after the due date that I get to go pay them they call me everyday with messages on my VM hang up calls at work and calls at home I could see if I had an outstanding balance but it is not only a few days late and the creditor knows that I get a day off in the week the day off vary I have XXXX messages on my cell in 21 days not including my house and job hang ups is the legal
I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX 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.
I was talking to this person about transferring money to my account, a person I didn't really know. On XX/XX/XXXX the money was being processed ( {$990.00} ), it took 5 extra days for it to transfer to my account which was on XX/XX/XXXX. The person I was talking to then told me to wire the XXXX  dollars through XXXX to one of her " clients '' and that it had to be done today no matter what. After the money was wired through XXXX  I was expecting another transfer but around XX/XX/XXXX the same person opened a XXXX XXXX account under my name and told the XXXX banker that it was fraud so the money the person sent the XX/XX/XXXX got taken away from my account along with all the money I made then after that close the account in XXXX XXXX and never contacted me again
I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.