WillisBack/dataset-financial-user-claim huggingface dataset:
A few years ago XX/XX/XXXX, ( unfortunately I ca n't remember the date ), I ordered XXXX. The service tech came, installed the product. Within a matter of days XXXX XXXX would n't work. At the cost of {$50.00} a tech came and fiddled around with the system got it working and stated that I will never get good reception because of the trees on my property. A couple of days later I called XXXX again because of no reception. Again, at the fee of {$50.00}, the tech stated I would need to have my trees removed to get good reception. I called XXXX XXXX and asked that they come and remove their system from my home. I called my previous carrier who showed up that very day to reinstall my XXXX XXXX. 
XXXX sent me a shipping box to send them back their product. I paid my remaining bill and felt assured they were now a part of my past. Since that time XXXX XXXX has been trying to collect {$410.00} from me. XXXX states that when I requested their service it was " understood '' that I was in a 2 year contract with them! I NEVER agreed to such a contract. They stated because I broke the contract, I owe them this money!!! 
I feel they owe ME money!! I never received the service from them that I paid for. I had it for less than a month and it was never explained to me that I was in a 2 year commitment with them. I recently received a debt collection notice from a collection agency. I called them, stated this information again and they stated they will notify XXXX of my dispute and I should hear back in 60 days. I have had this conversation over and over and over again with XXXX XXXX. From my last conversation with XXXX, I " understood '' they were closing this case and I did n't owe them. I was very surprised to receive a debt collection notice from a collection agency. 
I need your help to get them to STOP trying to collect money I DO NOT OWE THEM.
I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.
I have credit inquires on my Equifax report that I didn't authorize and I have since put a fraud alert on my report to prevent this from happening in the future. 

1 XXXXXXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX
I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another  loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.
I opened a new checking account at HSBC and was told that I would receive {$200.00} for doing so : New account application ID # XXXX You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple. 
Now they are telling me they can't find my bonus money and keep wanting me to call back and they still do nothing but want another call later. 
I want my money and they are defrauding me with their false advertising of that bonus cash.
National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.
I have a VISA CREDIT CARD with Wells Fargo. I noticed in XX/XX/XXXX I was being charged Interest on Cash Advance. I emailed Wells Fargo about this. I informed them that I have never done a cash advance or do I have a pin number for that card. This card has never been in a ATM. Wells Fargo stated that the cash advanced fees were on purchases. When I went on line to print my transactions for XX/XX/XXXX I could only find two ( 2 ) all other information is gone. 

XX/XX/XXXX amount {$23.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance
Iwas divorced XX/XX/XXXX, i relinquished the property in XXXX, pa to my husband at the timewhich is described the divorce agreement in explicitly in my divorce documents and i signed the deed to property over in the office of. XXXX XXXX ago i was made aware I am still on the deed in XX/XX/XXXX.2 yearsago i was made aware i am still on the deed to this property.this property is in forclosure .the owner XXXX XXXX is XXXX and I am the owner of record.I have been trying to get ttorney XXXX to rectify this situation and he has refused to have any contact with me and I have been unsuccessful in getting other legal council.In XX/XX/XXXX a judgement was filed and still unable to get a response from attorney XXXX. My complaint is neglegence on Attorney XXXX and help to resolve this delema. 
SincerelyXXXX XXXX Pa XXXX
My loan company  Nationstar  says that they contacted me on  XXXX    XXXX ,2017  to discuss an issue related to my loan, but I did NOT speak with them and my wife did not either. I have been trying for months and months to get them to give us an answer and they continue to ignore our requests. They 're lying now and saying they spoke with me on  XXXX   XXXX     2017  and say that I told them we were not interested in doing the lit line adjustment. This is a lie!!! I do n't know who they talked to but if anybody they did NOT talk to me. I am worried they are talking to unauthorized people about my mortgage and account. The only person they should be talking to about this is our lawyer but they refuse to talk to him. They should not be talking about my loan with other people! And should not be lying and saying that I said things when I did not!
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.
Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX I am have having issue when the creditor that attempt to pull my credit my name is XXXX XXXX every time my credit info is pull is coming up as XXXX XXXX I have send information to have this name deleted on my profile This is creating lots of problem every time I call to fixed it I keep getting the round around this as cause pain of suffering I need this to be fix as soon as possible Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
XX/XX/2018 - Called Citi prior to making a large furniture purchase to confirm that the purchase would qualify for the 5 % cash back promotion. Was told that " absolutely '' it would. 

XX/XX/2018 - Made a credit card purchase with XXXX XXXX using Citi credit card XX/XX/2018 - Called Citi about not getting points. Call escalated to a supervisor who indicated the purchase should have qualified and would be corrected on my next statement. 

XX/XX/2018 - Received a letter from Citi saying the due to the merchant code, the purchase did not qualify. 

XX/XX/2018 - Submitted a letter to Citi from XXXX XXXX indicating that the purchase was indeed a home furnishing purchase and should qualify. Was told by a Citi representative ( XXXX ) that the issue had again been escalated to a supervisor and the missing {$240.00} would be on my next statement. 

XX/XX/2018 - {$240.00} credit did not show up on statement. Called Citi again and filed this report.
My name is XXXX XXXX, I am a retireted XXXX XXXX XXXX veteran that thie country 24 years. I have owned my home about 7 and half years and i have dealt with many banks before this one. An I never had any problem paying my motgage payment on time until now. i have just re-finance home 6 months ago. At first dealing wit freedom mortgage i requested to direct -deposit they said no ; in which i thought it was odd not to do this because i thought every bank want their right -o-way but they did not want to. So. freedom mortgagae {$15.00} plus the {$1500.00} I KNEWW they were crooked my thoughts this bank is about taking consumers money. NOT HELPING or providing any care but to steal, take foreclose your house.I tiry using the computer and I USED THE computer every time I LOG IN the computer would asked a pass word and then it would not allow me in so the system was not computer friendly.XX/XX/XXXX I sent my payment on this day by mail. Freedom Mortgage did cash my payment until XX/XX/XXXX. Now, I expected the to there XX/XX/XXXX. and it should have, because it does not take 3weeks to cash a check. Something is wrong, I beleive they trying sabotgae my by forecloseure and discredit me and dissrtess me This is worst bank in the world. and i like deal with another bank,.
the debt as payed on  XXXX   XXXX /2017 was payed  XXXX  i requested a letter of proove they have not send it i called  XXXX   XXXX   2017  to request and email of proof of payyment never recived it. i called  XXXX   XXXX     2017  for and email once again of proof of payment never received it. they said  24 to 48 ho urs nothing yet.
XXXX XXXX XXXX XXXX XXXX and XXXX called me to inform me that they see that I qualify for a lower car note payment. The question was asked if I would like to do so, I said Yes. No one mentioned having to run a hard inquiry on my credit during the process. I did not even go through with the process because I leave in XXXX and the dealership is in XXXX. There were two inquires placed on XX/XX/XXXX and XX/XX/XXXX.
I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all   XXXX   credit agencies, my former employers have been changed from   XX/XX/XXXX - XX/XX/XXXX . All  of my former addresses have been changed.
While under  wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer   XXXX   XXXX   XXXX   XXXX  . I 've learned it is an inside job, the theft of my identity.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  . I filed a   XXXX   XXXX   law sue in   XX/XX/XXXX . The family began preparing my death without my knowledge. In  XX/XX/XXXX  I was gi ven a   XXXX   XXXX   of   XXXX   XXXX   in the doctors office. I was flown to  XXXX  by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a   XXXX   XXXX   I would n't survive.   XXXX   XXXX   amended & restated all of my tax returns and made themselves my conservator. They took my home in   XX/XX/XXXX   by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under  wage earner. I am  reporting to all of my creditors. The case number was   XXXX  . I was discharged on   XX/XX/XXXX   with   XXXX   XXXX  . My social security number is  XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is  XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is  XXXX . I kept my married name to prevent losing history. My parents are deceased, my father   XXXX   XXXX   XXXX   passed away in   XX/XX/XXXX .  His social security number is still being used by the     XXXX   Family  . My mother name us   XXXX   XXXX   XXXX   she passed away in   XX/XX/XXXX .  The FBI told me it 's an inside job.
We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX   called Lakeview Loan Servicing , LLC. 
Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. 
The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. 

**Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview .
FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.
I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
I have my student loan serviced now through Navient. I have also submitted by complaint and concerns to Navient, but to no avail. Navient was responsible for the decline of my credit score and reporting information that was erroneous solely because of Navient dropping the ball. I faxed over my banking account information and called them repeatedly to ensure that my loan was being taken out of my account so that payments would be current. I did not find out until it was too late that they never took out the payments and that caused me to fall three months behind. I do not regularly check my checking balance, it is not necessary as I know what is taken out and keep a balance from falling below a certain level. I truly feel their not taking out the payment was done purposely and with intent to have this negative reporting. I sent them all the paperwork proving that they received the information. i spoke to numerous managers and staff to try and have this reversed. They are somehow " blaming '' the government for this, I do n't understand how that makes sense, but regardless, it was them dropping the ball on this. After the fax was received, I spoke to a customer rep who assured me they had it there and the payments were being taken out. 
Not only is this the only issue with Navient. I have been told not to make extra payments, I have been charged interest while on forbearance, they never looked into other options for me. 
This whole loan process has been a disaster and I called them asking for an audit of my account, and I was refused. Please help me figure this out and because of this negative credit reporting, I am unable to get credit cards, take out a mortgage or do anything credit related. Thank you.
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.