WillisBack/dataset-financial-user-claim huggingface dataset:
Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. 

Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. 

Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. 



Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00}
I have disputed the inaccurate charge off that is reporting on the XXXX Account # XXXX. This account either do not belong to me or it is incorrectly status. I would like this account removed from my credit file or the charge off status removed.
I have contacted XXXX, XXXX, and Experian several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
NCC Business Service for amount of {$4000.00}. I have sent NCC Business Services a debt validation on or about XX/XX/2017. NCC Business Service has not responded to my debt validation and has not removed them-self from my credit reports
On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed
Midland Funding is trying to collect a debt that I do not owe them. I have never signed any contracts with Midland funding. I have disputed this debt with the three major credit bureaus via certified mail. I just recently sent a debt validation letter via certified mail directly to Midland Funding. Midland funding is a company based out of Delaware and they are allowed to do business in Delaware and California. I am a resident in the state of Ohio. Midland funding do not have a foreign license in the state of Ohio to do business. I want them to cease and desist any collection activity and reporting to any and all credit bureaus. I want this debt immediately deleted from my credit report.
Contacted a family member- I had been communicating with the agency and trying to decide how to handle the matter, and they started calling family members.
Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of XX/XX/XXXX.
XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
My Response to Loandepot XXXX XXXX/XXXX/XXXX The information Loandepot mention & provided are n't true. When we Refinance our home in XXXX XXXX with loandepot. Homeowner insurances was still active from " XXXX insurance company ''. I contacted them several times. and they sent me proof and I 'm sure I disclosed to loandepot such proof of homeowner insurance then. all through XXXX & XXXX still active. I do n't know where loandepot got their information from. But, they are n't true. We have gone through hell with their Dishonest services with our Refinance since : Terrible Dishonest, trying hard to find ways to twist their dishonest service foremost. but, the fact of the matter is : they tried very hard to suppress my VA entitlement benefit to purchase our home in the first place. Our Fundamental Right : right that is considered by a court ( as the U.S. XXXX COURT ) to be explicitly or implicitly expressed in a XXXX ( as the U.S. XXXX ) A court must review a law that infringes on a " fundamental right under a standard of strict scrutiny. according to how they treat and served us : because of my character as a " XXXX '' XXXX from XXXX XXXX. which also falls under invidious discrimination type of service as fundamental right is concerned. Including : False statement 1. an assertion that is not true, especially one made in words as distinguished from verbal conduct. any conduct or representation that violates a " False statements statute '' any federal or state statute making it a crime to make false statement. Or could be " frolic of one 's own conduct by an employee outside the " SCOPE OF EMPLOYMENT. '' OR " FRUIT of the POISON tree '' evidence derived from information obtained through an illegal search or other illegal investigative technique, such as evidence is generally subject to the EXCLUSIONARY RULE TO THE SAME EXTENT AS THE ILLEGAL OBTAINED INFORMATION THAT LED TO IT. IN THIS AFOREMENTIONED. NO SATISFACTION WITH THEIR COVERED UP EXCUSED.
In  XXXX   XXXX   2017  i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor :  XXXX  and the debt is continuing in my credit report like collection debt. I sent the proof to  XXXX  that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.
I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you
I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin.,  they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.
Company Name : Equifax What happened : OnXX/XX/XXXX, I noticed my credit score had gone down by approximately 100 points. The report showed Equifax reported a collection/debt that was not mine. I looked at my Equifax credit report where in addition to the collection issue there was a false address as well as false employment information ( false employer ). 

I called the collection agency and the original creditor and they could not find any information under my name. On XX/XX/XXXX I submitted a dispute with Equifax. 

On XX/XX/XXXX I was notified their information was not only accurate but that they had updated my credit report with new information. 

Equifax is claiming that my dispute over their false information about me is not only incorrect but that after their investigation they were updating my file with more false information. 

The updated information reports the false address and employer information as my current address and current employer where before it was just listed without designation. 

It is very frustrating and almost impossibe to communicate with Equifax. For example, I am unable to view the status of a dispute because the website freezes me out. In addition, the wait time on the phone is never ending. Please help me.
On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy account.
I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.
EXPERIAN HAS VERIFIED IN XX/XX/XXXX a false DOFD.THE CORRECT DOFD ON XXXX CREDIT # XXXX ... IS XX/XX/XXXX.IF THE DOFD WAS CORRECT THIS ACCOUNT COULD BE REMOVED FROM MY REPORT NOW. 
ALL XXXX BUREAUS, EX, XXXX, XXXX report a dofd different from each other, all XXXX bureaus report a radically different payment history.all XXXX bureaus have been recently " verified '' with different information.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. 


My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. 


Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX   XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX   XX/XX/XXXX 104 KB  XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB   XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX  RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB   XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB  XXXX RE : Payment Received XX/XX/XXXX 59 KB  XXXX RE :   Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - XXXX, XXXX, Experian XXXX XXXX - XXXX  These accounts are reporting due to fraud.
I received letter from Jason A Craig Associates stating they are collecting for City of XXXX XXXX. I did not receive any correspondence, letter or phone call from XXXX XXXX XXXX XXXX regarding this. After contacting Jason Craig, I found out the collection was from the XXXX XXXX XXXX XXXX utility department. 
I contacted XXXX XXXX and tried to find out what it was for. I did not have any utilities with the city on any more in 2017. I met with the city billing department and cold not verify the amount owed, since I had final billing statement showing XXXX balance past due. 

I talked to XXXX XXXX XXXX XXXX Clerk by phone about a week after, and discovered there had been a small payment made on computer that was rejected by their automated payment system. I was never billed for this unpaid amount. I paid the amount in question about {$41.00}. I was assued by XXXX XXXX XXXX this would be clarified and I would not have to take any further action including the credit reporting and the Jason A. Craig Associates correspondence. 

To date the balance still shows on my credit report a negative past due unpaid balance and copy is attached.
Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. 

XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. 

I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.
An individual called from ( XXXX ) XXXX stating they represent XXXX. The person stated in a voicemail that I need to call XXXX with reference number XXXX. When I called the number provided, an individual answered stating that XXXX XXXX was filing action against me instead of wage garnishment for the amount of money owed from checking account. ( {$850.00} plus - can not recall exact amount ) I advised the representative that I do not owe any money to XXXX XXXX because I had closed the account in good standing. I attempted to contact the bank concerning the matter and they could not provide proof of the debt. XXXX XXXX merged with Wells Fargo in XX/XX/2008. I called Wells Fargo recently and the representative advised that Wells Fargo was not filing suit against me. The representative did not have information of the company claiming to file suit. They were trying to persuade me to pay the amount over the phone or XXXX would file suit against me ( jail ). They informed me that if I was disputing the matter, I would have to take action in court when my court papers arrived at my place of residency. I advised the individual that I would see them in court, because I am not about to pay without proof of the debt. 

I called the company back later and was informed the name of the company is XXXX , XXXX.
On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
XXXX BANK SOLD MY LOAN TO SETERUS MORTGAGE WITHOUT GIVEN ME NOTICE. I AM FACING A HARDSHIP SOMEONE AT SETERUS, STATED TO US WE CAN FILLOUT BORROWER ASSISTANCE FORM, BUT ITS A DOUBT I WILL RECEVE ASSISTANCE.