WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan that was initiated with XXXX XXXX which they serviced for 3 years. In that time frame while in school interest had been accruing without making payments. Once I finished school, I began receiving statements by mail and began making payments. After about 3 payments I received notice that the loan was going to be transferred to NAVIENT to be serviced.
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My problem is this.
1. They will not mail statements.
2. They used to provide a monthly statement online ... .That dies not exist anymore.
3. They do not provide a break down of principle and interest for each loan.
4. There is no way to reconcile my payment for said principal and interest.
5. There is no customer service. I have made numerous attempts to discuss this matter by e-mail and telephone. There is no one able to explain the practice ... .they say it is just the way it is.
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They are not disclosing interest breakdown because of the following : If you add up the minimum payments on the loans, it is not enough to cover the interest meaning that you will never make a principle payment. The affect of this is catastrophic when interest is compounding on top of interest. It takes the loan which is on average 6.5 % and increases the interest to 28 % for infinity because the principle is not reduced.
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So, am I supposed to accept that their information is correct?
This is a disclosure issue and unless I do my own math I have no idea what my payment breakdown is.
I joined a gym on a monthly payment plan. When I put my gym membership on hold, they still continued to charge me. They have refused refund so when i disputed the charges with my CC company they said they would n't cancel the charges because the gym putting the account on hold was done as a favor. This was n't a favor though, since it was in my contract. I 've tried multiple avenues with the gym and with the CC company and do n't know where else to go for this.
I received several prepaid US Bank XXXX cards ( {$25.00} ) as wedding gifts ( inXX/XX/XXXX ). We saved these cards and used them as expenses came up.

This week (XX/XX/XXXX ), we went to use this card and found that the balance had nearly been depleted by inactivity charges applied to the card ( $ XXXX/month after 12 months ). While these charges are permitted by federal law, the card states that the deductions will not be made in states that prohibit the fees. California is one of these states - though certain exceptions can be made.

According to dca.ca.gov, the rules governing gift cards and prepaid cards are as follows : " A gift certificate or gift card can not contain a service fee, including a fee for dormancy ( non-use ).

However, there is an exception from this general rule for a gift card where : -- The value remaining on the gift card is {$5.00} or less each time the fee is assessed ; and -- The dormancy fee is {$1.00} per month or less ; and -- The card has been inactive for 24 consecutive months ( for example, no purchases, " reloading, '' or balance inquiries ) ; and -- The holder may reload or add value to the card ; and -- The card has printed on it a statement in at least 10-point type stating the amount and frequency of the fee, that the fee is triggered by inactivity, and at what point the fee will be charged. This statement may be on the front or back of the card, but must be visible to the purchaser prior to purchase. '' None of the criteria listed was met by XXXX, US Bank, or whichever entity issues these fees on their behalf.

I requested the fees be refunded and I was told they were not obligated to return the funds. I persisted and they agreed to submit a refund request, but that a refund was still " not guaranteed. '' They first said it would take 24 hours to post, then 48, and now they are saying 72 hours. I fear that this will continue until I give up.

I am not the only one to have been the victim of these illegal fees and charges. Until these companies are held accountable they will continue victimizing unknowing customers.
Issue Credit Reporting company 's investigation : Problem with statement of dispute Initially I sent the bureaus letters about inquiries, about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries. 
XXXX
applied for credit card from total rewards credit limit was only for {$1500.00}. paid back loan at the tell end of loan only owed {$200.00} dollars paid back put account into debt collections management program because I thought that I owed more come to find out .the debt program and credit card company have me paying additional {$1500.00} which I do n't owe.
I have disputed a record with XXXX XXXX XXXX on multiple occasions regarding an record they are reporting from USAA. On multiple occasions I have disputed parts of this record and request for its removal for varying degrees of incorrect/unverifiable information being reported, and yet they continue to report it. I spoke with them today and the representative told me that even though the date of birth is incorrect, it is such a low value of information that it still allows them to report the record.
I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!
XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.
I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.
Recently I pull my credit report and was surprised to see how inaccurate furnishing of information was damaging my credit score. After disputing the inaccuracy with both the furnisher and the reporting agencies, nothing has changed. The information I provided was valid and clearly shows inaccuracies being reported but the agency said it's accurate. It's alarming how you can clearly see inaccuracies yet nothing was done to correct or delete the information.
sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX  

XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment XX/XX/XXXX XXXX XXXX XXXX
Investigation results were wrong account still has not been removed from my report. The account of XXXX XXXX is not mine but is still on my report.
I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX XXXX / XXXX/XXXX/XXXX
On XX/XX/18, I went to XXXX XXXX XXXX XXXX  to pick up dry-cleaning. I paid {$79.00}. When I walked my 4 minute distance home, I discovered that not only did they not fix my zipper, but they lost my pair of pants that were {$50.00}.

I went back there to bring up the fact that they didn't fix items that I paid for, certain things weren't dry cleaned, and my pants were lost. They told me that they gave me my pants, but it must have fallen on the ground when I was walking, but that made no sense. 

I filed a claim with my bank because these are not the services I paid for, and they lost my pants. My bank denied my claim.
Walmart credit card closed my account stating returned payments. The payments were returned because of an error when we changed banks. All payments were corrected and made on time. Further, my wife also had a Walmart card and hers was reinstated after the same problem.
Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a fact, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.
XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.
In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX.  There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. Sears has since sold this info to XXXX XXXX XXXX and now they are harassing me.
The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.
XXXX Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.
I received a call from a man named XXXX. When he called he asked for me by name and it took me twice to ask him where he was calling from before he told me the name of his company which is iq data and that they collect on money owed to a rental property. When he told me where he was calling from I proceeded to tell him I knew why he was calling and that I disputed the debt because I had no knowledge of it nor did I ever receive any bill or any proof that I acquired the debt. He then started to explain how the charges came about and I informed him that he did not need to be explained that I 'm aware as this has been explained to me and that I 'm clearly stating that I do not owe money for any damages done to an apartment which might I add I 'm still a resident for the same apartment complex. He was very rude and as I tried to make my statements he talked over me the whole time and made no attempt to listen to what I was saying to him. He then proceeded to say this is a refusal to pay which at that point really upset me because I explained to him already that I was disputing the validity of the debt and now your insisting that this is a direct refusal to pay. I should also add that I was never properly verified so if he was required to verify my ssn as most debt collection agencies are he never did so and never gave me any type of disclosure statement or XXXX. To make matters worse he also laughed at me when I told him that I would not pay something that I felt I did n't owe. I asked him to speak with his manger and he continued to talk over me and at me. After asking to speak with the manger several times he finally connected me to XXXX. I advised XXXX that I felt my rights have been violated and even harassed. He asked me how were my rights violated and I explained the situation to him. Fdcpa guidelines are put in place to protect me from being mistreated and abused by collection agencies and debt collectors and I feel that man violated my rights under those guidelines. The manager told me that man did nothing wrong. He said nothing even remotely remorseful to that fact that I was very upset and felt that his employee was rude and unprofessional. When I told him laughed at me he again found nothing wrong with that and I told him they we 're both very rude his response was " I disagree but OK '' ... .when I asked for the name of their company and the name of himself and the first guy I spoke with the manger accused me of yelling at him and threatened to terminate the call and then rudely and obnoxiously put me on hold while I was speaking with him. When he came back to the line he asked me if was done screaming and when I went to explain to him I had him on speaker phone and was not screaming he put me back on hold again while I was talking. Finally when he came back to the line he gave me his name and company name and that was the end of our call. I have never dealt with a company so rude and unprofessional ever and cant understand how either one of them our considered qualified to work with people. They may have a job to do but this is not how you go about doing I t and I intend to pursue further actions on this!.
I sent out 4 different letters dating back as far XX/XX/XXXX to Transunion, XXXX and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to Transunion, XXXX and XXXX  to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Transunion has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can Transunion, XXXX  and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( Transunion ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, XXXX also removed access online. When I spoke to XXXX 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given XXXX 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XXXX XXXX and XXXX XXXX
XXXX shows a balance on account that has none. The account number is : XXXX.