WillisBack/dataset-financial-user-claim huggingface dataset:
Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead
I made a {$50000.00} payment on a timely basis, this payment included normal payment of approximately {$3400.00} and the rest was prepayment of principal. This payment showed clearing my bank account before due date of payment. I later received a notice that my payment was late and a late charge of {$110.00}. In looking at my account activity it appears that they applied the entire payment to principal. I called bank to discuss and they could not respond but continue to show late payment. I assume they also reported to credit bureaus a late payment.
This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;
A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
I have a collection account from XXXX XXXX XXXX on my XXXX  and XXXX Reports. They say the original creditor is XXXX XXXX XXXX, which is another collection agency, not a creditor. I have never had credit with either company and have never been contacted in any way by these companies, it just showed up on my credit reports in XX/XX/2018. They say the debt is {$860.00}. But I do not owe them anything. When I have disputed it with the agencies, XXXX certified it as accurate, but has never contacted me or provided information to me regarding this debt.
I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.
I have a credit balance on my card due to a refunded purchase. Despite repeated requests for a refund, AMEX has not complied
I purchased XXXX items from XXXX XXXX using my XXXX XXXX credit card. The first purchase was on XX/XX/17 in the amount of {$740.00}. I chose the " no interest with payments for XXXX months '' promotion. The second item I purchased on XX/XX/XXXX in the amount of {$290.00}. I chose the " no interest with payments for XXXX months '' promotion. I'm making payments of double the minimum payment due. However, none of my payments are being applied to my promotional balances, which have accrued almost {$200.00} in deferred interest. When I called XXXX XXXX, they said they were doing me a favor by only applying my payments to my regular ( non-promotional ) balance. They further said that they'd apply my payment to my promotional balance in the month that it was due to expire. That would mean that all these months I've been making payments, my promotional balances have not been reduced at all, and, to pay them off, I'll have to come up with the full amount of the original purchases the final month the promotions expire. So, the promotions mean nothing and they're scamming folks into taking these promotions when in fact they're just going to turn around and charge me almost XXXX % in interest when the promotion expires because they haven't applied any of my payments to the promotions.
I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with Transunion , XXXX and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit one and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.
I went to a Bank of America ATM at a local branch on XXXX/XXXX/16 to withdraw {$2100.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice at that time was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

Also on XXXX/XXXX/16 I went to a Bank of America ATM at a local branch to withdraw {$2300.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice again was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

The type of account that I have is an electronic only account which means that I do not get charged a monthly fee as long as I use electronic means like online and ATMs to access the account. If I do use bank personnel like a teller, I get charged a {$8.00} monthly maintenance fee on my next statement date. 

Bank of America should not be able to designate an account as a no fee checking account and then charge a fee if the transaction you request can not be completed electronically. This is like having a free parking zone for 5 seconds which is actually allowing you to park free but the functionality of the parking space is designed to charge you for practical usage. 

This practice should be disallowed at Bank of America. If an account is designated as free for electronic usage then the bank can not restrict the usage by electronic means OR the bank can not charge for in-person/teller usage if the electronic means provided by the bank does not allow your transaction to be processed.
A few years ago I got a loan from Ace Cash Express and I paid it off. All of a sudden they started taking money out of my account, when I questioned them, they said I took out another loan. I have bank statements to prove that I did n't get a loan from them and had my bank reject all requests from them. I told them if they provide me with the paperwork that proves I got a loan out, then I will talk with them about repaying them back. They have not done this and now I am getting calls and threats from random companies phone numbers saying they are going to take me to court and suspend my license. I actually spoke to the " attorney '' ( which I looked up online and could n't find her name anywhere ) and they said they would email me the information showing that I got a loan with them. Never got the email. I said I would gladly review the information with my lawyer if they sent it to me, but they could never get it sent to me. I hate the threatening calls they leave me, but I guess I will just have to keep ignoring them and hopefully they will stop.
I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account. 
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!! 
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!! 
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!
I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.
I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.
Experian has allowed XXXX XXXX and others third party companies to pulled my credit file illegal purposes. I did not authorized anyone to pulled my credit profile. XXXX XXXX has pulled and damaged my credit profile on XXXX separate transactions. And has caused a drop in my credit scored. I contacted The XXXX XXXX and Experian and both have fail to do any thing or removed the items. 
Experian has been sued for credit reporting violations. Crooked collection agencies are being allowed to access your personal information and place unjustified black marks on your credit reports. Experian fails to take adequate measure to prevent this. Meanwhile, your personal information ( everything an identity thief needs to know ) is sold indiscriminately from company to company.
XXXX XXXX bought my VA mortgage, they removed the valid tax ID. by not escrowing the taxes properly, This recognized by state and county Maine tax office. This was cleared up at XXXX XXXX, I was charged supplementary taxes, they were paid. This was apparently cleared up, I refinanced through loan depot and they did not recognize the correction. My municipal tax office has never corrected the tax obligation, since the start, they have hidden covered up the fraud, They reduced the value of my property, ruined my credit, They have ignored state and county findings.

XXXX XXXX town manager has been there for 40 years, He is the tax collector, treasurer, ombudsman, he has charge of the archives and access to {$5.00}, XXXX. daily.
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with Equifax online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
I have our monthly mortgage to be set to a monthly draft on the XXXX of the month currently through Loan Care and it was through XXXX prior to XXXX set for the same monthly draft date. XXXX always sent through the payment request on the XXXX and it would show pending on that day through our bank account, per my verbal agreement with Loancare that we set up after receiving a phone call that our mortgage had been sold after we were already two months behind on payment. I was told I would have received a letter. However, I never received a certified letter stating that and that would be the expected normal as this is a very important matter and determines my financial livelihood. Anyway our payment for Loancare went through pending as of the XXXX this month, which was a huge problem because our payments from the company we work with do n't go through until the XXXX and so our account overdrew and and I was n't able to cover which is why we are set up to have this drawn on the XXXX. 

In addition to the other XXXX events our mortgage payment jumped {$400.00} starting on XX/XX/XXXX Our property was appraised XXXX actually in XXXX and we were informed our taxes would go up for the following year. Well they stated in escrow that we were over our balance and have now more than doubled on the increase to cover for last year and now to move forward for this year. They are unwilling to take a cover balance for the remaining due and make our payments at least half the increase moving forward. I am looking further into the pay increase, but we were led to believe the increase would occur for XXXX not XXXX.
I purchased a wallet at XXXX XXXX for less than {$30.00} and used their credit card. I got a bill in the mail on XX/XX/18 stating my account was 4 months past due and {$180.00}. This was the first I'd heard of this account being delinquent, so I immediately called to investigate. There were about {$150.00} of late fees and interest. They said my phone number on record was listed as having been disconnected, despite there having been no interruption in my phone service or change in number for sixteen years. I asked to have some of the late fees removed, splitting responsibility with them for the issue. They would only remove 1 month 's late fee, {$38.00}. I told them I was mailing a check for {$30.00} and asked if they could close the account, which they did. I have mailed the check.
XX/XX/2017 Monthly payment XXXX dollars. I reached out to company and asked for a good will due to situation