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  's 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.
I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.
I received a bill from XXXX for payment I called XXXX and made a payment plan with them. The collection people were also calling me about the payment. When I made a payment plan with XXXX there told me that the collection people will stop calling me. I paid the amount in full and now this month the collection ( First Collection Svcs ) put the collection on my credit report which has an negative impact on my credit score.
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes from multiple fraudulent credit inquiries. I contacted TransUnion after to dispute the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the report. date opened was not XXXX XXXX, 2008. I disputed the account details and they are refusing to verify the information.
This is the second complaint filed with this company Procollect. I have faxed on XX/XX/18 notication of fruad/identify theft regarding collection on my credit reports. I am XXXX  and live on a fixed income and for this reason I would not authorize anyone using my personal information. I'm requesting deletion of this collection be removed from my credit reports. Please see attached.
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - XXXXXXXX - XXXXXXXX  - XXXX and XXXXXXXX XXXX - XXXX and Equifax XXXX - XXXXThese accounts are a result of fraud.
I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.
I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.
Someone from  CBE Group  keeps calling from  XXXX  STATING THAT THEY ARE TRYING TO COLLECT A DEBT. The robo call does not state who they are calling meaning a name.
I was supposed to be put in and reduced interest rate plan. I was in this plan the previous year and the guy said he was setting up the plan again for me. So I set up my account to have a certain amount of money taken out that would cover my XXXX private loans. It looks like it was good and working up until XXXX and then all of a sudden the money getting taken out did not cover all my loans. Therefore causing me delinquency on my account and also a late payment fee. This is also happening the past when it was XXXX and that messed up my credit really bad
I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.
On XX/XX/XXXX, XXXX, XXXX, and the XXXX of 2018 I received several letters From Portfolio Recovery which, included only a screen shot of bill saying that I owe debt. On XX/XX/2018 a Sworn notarized affidavit of denial was sent to Portfolio Recovery requesting original proof of contract or validation with my signature obligating me to this debt. Since, Portfolio Recovery has continued to attempt collection efforts which is a violation of the Fair Debt Collection Practice Act ( 809 ) ( 1692 ). I have no record of any initial communication that was sent from Portfolio Recovery as they stated.
My American Express XXXX Business credit card payment date is on the XXXX of each month. In XXXX, I paid on the XXXX - 2 days late - and Amex increased my interest rate to more than 25 % without any prior notice. It 's my understanding that credit card companies can not increase the interest rate unless the payment is more than 60 days late. Amex claims they increased it because I previously paid 2 days late, but the previous late payment was 7 months ago, and a result of misinformation I received from an Amex agent stating that I could change the account from which my previous automatic payments were being withdrawn from in time to have the payment post that was due XXXX. The increased payment of more than double my former interest rate is causing financial hardship and seems to go against the XXXX XXXX of 2009.
I am being contacted by XXXX XXXX XXXX for an account that is not mine. I have advised them the account is not mine as I am a victim of Identity Fraud. XXXX XXXX continnues to call me and harass me asking me for a payment.
I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX
Company hires XXXX XXXX and they harassed me and threatened me and told me that USA federal aid had them come after me that they work for them
I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.
On XX/XX/2018, I opened a checking account with Chase less than a month ago online with the promise of a {$200.00} bonus if I ( 1 ) open the account by depositing the minimum {$25.00} into the account, and ( 2 )  set up direct deposit of {$500.00} or more into the account. On their website, it states underneath the " Open Now '' option verbatim " Your coupon code will be automatically applied. '' You can find this information in the link below : https : //accounts.chase.com/XXXX I have also provided attached screenshots below. 

I continued to read the terms and agreements which stated that after ( 1 ) approval of the account, ( 2 ) depositing {$25.00} or more into the account, and ( 3 ) having the direct deposit made electronically within 60 days of opening the account, the bonus would be deposited within 10 business days. 

After 2 paychecks were deposited into the account, I noticed the bonus had still not been applied. I called Chase twice on XX/XX/2018 to resolve the matter, but was told that I did not qualify for the bonus because a coupon code was not applied to the account and 21 days had passed since opening the account which made my request ineligible. There is NO written indication anywhere under their terms and conditions that state there is a 21 day limit to apply a coupon to redeem this bonus. The account is still less than a month old, and at the time of contact, it had been EXACTLY 21 of their business days from opening the account online ( as they are closed Sundays ). In addition, as stated previously, after opening the account online, it was stated ( on their website ) that the coupon code was automatically applied. The " Welcome '' email I received from XXXX on XX/XX/XXXX after opening the account revealed no promotional code, nor expiration date for a promotion. 

Once they still insisted there was nothing they could do for me, I went to a branch in XXXX XXXX, NY and spoke personally to the branch manager who tried to override it with a promotional code I signed up for on XX/XX/XXXX with my personal email that was used to initially open the account. When it didn't work, he told me to call their main number again and re-explain my case. I called this morning, XX/XX/XXXX and retried only to be told that if I walk into a branch, they could give me a coupon code to override it. This, however, did not happen yesterday when I walked into the branch. 

I am more than happy to provide any further emails, and names of individuals I have spoken to if need be.
Hi, i have some concerns regarding my loan modification with my bank Bank of America. Bank of America placed a foreclosure sale of my home for XX/XX/2018 at XXXX XXXX. 
I provided Bank of America all of my documents for a review for a loan modification. They said they have all the documents and they do not need anything else. Bank of America told me that my loan modification is undergoing review process and is in review with the underwriters. I checked online and checked with the trustee my home is still on foreclosure sale. Bank of America has not taken my home off foreclosure sale even though they are reviewing my loan modification. Im very stressed and worried that they will foreclose on my home even though im in review process. 
I know if they continue the sale they will be in violation of the California Home Owners Bill of Rights. They have to right to sell my home if they reviewing me for a loan modification. 
My concern is the sale is coming up shortly and they will not remove the sale.
On or about XXXX XXXX, I received notification from PennyMac, my mortgage company that they were going to increase my monthly mortgage payments because my escrow balance for property tax was too low, based on their ESTIMATES. I know approximately what my tax payment will be, and what they are asking I felt was unreasonable. At that point, I contacted PennyMac and said that I would take care of paying my own property taxes and that I wanted the funds held in the escrow account returned to me. I 've have since contacted them XXXX more times, and most recently last Thursday, I spoke with supervisor, XXXX XXXX, stating that they had 48 hours to return this money in the amount of {$1800.00}, at which point I was going to both contact my attorney and the CFPB. She stated that they could not get the money to me in 48 hours, but that she would see that it got into the mail in 48 hours ( with electronic banking and based on the fact that I make electronic payments to them, there really is NO REASON why I should not have this money within 48 hours - they could do it by direct deposit to my account ). I stopped paying money into the escrow account beginning with my XXXX payment. It has been almost a full month, and as of today, I have received nothing from them and am still showing the {$1800.00} still held in the escrow account. XXXX XXXX said that she would contact me by phone when the funds were in the mail. As of today, XXXX XXXX, I still have not heard from her. I 'm upset not just because of this, but also because I 've had to contact them several times since they assumed my home loan from XXXX XXXX XXXX, which I felt was a reputable mortgage company, immediately after I took the mortgage on XXXX XXXX, 2014. I do n't know why they sell of mortgages to these upstart companies, but I 'm very dissatisfied with this fly-by-night organization.
Ive paid my payments on auto pay each month to Shellpoint But I get a notice that my account is past due by 3+ months yet my bank account shows debits fpr payments to the servicer. I log on to the servicer account and see a whole host of unapplied payments that look to be the cause of the issue. I also paid them to catch up an escrow payment and they did not apply that and continue to show escrow as still due. They are robbing me of my money despite payments made regularly, not applying it at all or delayed, and then sending me notice that Im late and implying extra fees to catch it up. Its extortion and theft.
TRANSUNION REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
I have an open investigation with the servicer of my loan, XXXX. I had also submitted my packet for a loan modification to be reviewed, and XXXX said that I do qualify for different programs to do a modification. My issue right now is that XXXX is the servicer, and Wells Fargo is the one that illegally foreclosed on my property in a sheriff sale yesterday. Wells Fargo does not even own this loan, even though they sold it to XXXX 2 years ago, the new servicer was XXXX and XXXX owned the loan, Wells Fargo had no right to initiate or continue with the foreclosure proceedings, and they have that on record and they know fully well what they 've done. I would like Wells Fargo investigated, because I have a letter from them showing that they acknowledge that I was releasing account information, for my loan modification, when I went into court on Monday, to ask the judge for more time pending the investigation and also for my modification to go through, XXXX, the law firm that represents Wells Fargo told the judge that they spoke with their contact over at Wells Fargo, and Wells has no record of any conversation whatsoever since 2012 with me. The law firm went on the record to say that Wells Fargo wants to proceed with the auction, how can that be when I have the documentation and I tried to show the judge? This has been a highly illegal foreclosure since the beginning, and now they just illegally took my home. The signatures of fake employees, securitization, unilateral assignments, and multiple other infractions of fraud is just the tip of the iceberg. Wells Fargo had plenty of opportunity to make this right, but since they are a big bank and they have a track record for doing this, they proceeded. My civil rights have been violated, why are they allowed to get away with blatant fraud? I am fed up with their games.
XXXX removed XXXX from my credit report cause I furnished proof, XXXX sent me a letter telling me the stuff I asked for to prove charges they say are mine that this info that is supposedly mine is personal and confidential, If it is referring to me how can that be? I am entitled to be shown proof of these charges. I sent same info to equifax and they finished there investigation within two days, same day I put the info in the mail and have heard nothing, cause evidently they already agreed with XXXX and did n't review my proof. I can mail you the letter I am not good at uploading.
I have repeatedly requested my loan payment history and a copy of my entire loan servicing documents from my account with Bank of America. I believe they have not accurately recorded all of my payments over the duration of my account since XX/XX/1992. They repeatedly refuse to provide me with these documents or provided a limited amount of documents as the documents will prove that they have not recorded all of my payments accurately and my loan should be paid off by now. I also need to review all of my loan servicing documents since the inception of my loan. I have requested these documents via certified mail and was told they would provide the entire document request within 30 days on 2 occasions and they have failed to do so. They are breaking the law. I have also went into several bank branches who have told me they can not provide it as well as phoned on multiple occasions with this request.
15 USC 1681c ( a ) ( 2 ) -Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( Does not meets requirement of the Fair Credit Reporting Act On Record Until XX/XX/2019 )
My checking account was compromised by Wells Fargo. I began with a balance of XXXX. I drove to Wells Fargo e the with a friend because my mechanic charged me XXXX to fix my XXXX. As I gave the Teller my ID and Check she stated my account was XXXX XXXXXXXX. She said XXXX XXXX was paid and I never authorized Wells Fargo to steal my money. 
Then she said because my checking account Sat idle fees were assessed but these fees were a violation of my disclosure agreement. Because I made a written and verbal communication complaints. My checking account was closed with a negative balance. 
Therefore, because my Rights have been violated by Wells Fargo refusing to refund my monies that I didn't authorize I'm requesting punitive damages and investigation.
This school was charged with predatory loans and practices. It has went bankrupt and closed. I am trying to get my loans discharged on account of their fraudulent acts and closure. 
They took advantage of all their students, there were times they ran out of books for us, but the book fees were rolled in to the tuition so we couldn't get any money back. 
Most teachers had us XXXX tutorials, basically we taught ourselves. 
The teachers would show up half the time and make false claims so they could get their bonuses. 
I graduated and having their name on my resume is a red flag for any employer. 
Now I can't get employed in my field and I owe over 100k in student loans causing me to potentially be in debt for the rest of my life with nothing to show for it.
I disputed the XXXX account with Experian, because all my student loans paid as agreed. They insist I had negative record with XXXX. But anyway, according to The Fair Credit Reporting Act, the limited time to negatives accounts in the record are 7 years. The last record according to this report was on XXXX/XXXX/2010. That is 7 years and 1 month. 

Please help me to this agency deleted this account according to the federal law.