WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Discover student loan current under repayment. The loan has been constantly increasing the APRs that are now around 9 % and the minimum payment is coming to a total of {$1600.00} per month. The company was providing me with a lower monthly payment ( {$1200.00} ) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. They have stopped the lower payment option and have demanded me to pay the total minimum of {$1600.00} since XX/XX/XXXX when I was told that after paying 6 full payments they would be able to lower the interest rates for 12 months, thus allowing the minimum payment to decrease to relieve some student loan burden. With the payment of this month ( XX/XX/XXXX ), I have now completed the 6 months full payment as they have requested and now after contacting them to get the 12 month lower interest rate, I'm being informed that I have no options available to me anymore and I either continue to pay the full amount or apply for forbearance which will only complicate things since it will only make the minimum payment much higher. All my student loans combined already come to a total amount of {$1800.00} which corresponds to more than 50 % of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food ... Discover has no interest in helping whatsoever even though they have already made tons of money on interests alone. The United States government should start a comprehensive investigation against this company which has been exploiting students all over the country.
My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices.
On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.
Had a history of problems with XXXX XXXX XXXX emailed corporate office several times. This is the final straw, XXXX XXXX XXXX stating I owe them a past due balance when my account was closed at a XXXX balance. I was told over the phone on a recorded line that since I was moving to a area they didnt not cover I did not have to pay a early cancellation fee. My triple plan service was closed and I returned all the equipment back. They didnt even cancel my cable service but I returned my equipment. I explained I was moving and need all services taken care of. 
Now I see on my credit report that I supposed to owe them. I dont owe XXXX XXXX XXXX anything. 
I want this to be removed off my credit report and for them including XXXX XXXX XXXX to leave me alone.
I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.
I agreed to a settlement with Sortis Financial, on a condominium I purchased in XXXX. I had secured a {$61000.00} HELOC, during the purchase of the condo, but because I lost my job in XXXX, I could not pay the monthly payment. I stopped paying and in XXXX I agreed with Sortis that the loan will be reduced to {$18000.00} and I would make monthly automatic withdrawals payments from my bank account. After about 5 years Sortis stopped collecting the monthly payment. As a result I thought that the agreement was resolved. Unfortunately, I did not know that they stopped collecting because they arrange payments in 48 month increments. 
Accordingly, I put my property on the market to find that the HELOC was still a debt on the property. I contacted Sortis and found out that of the {$18000.00} agreement I had paid {$17000.00}, 97 % of the agreed amount. Therefore, I asked Sortis if I could pay off the balance on the agreement to resolve this debt. I contacted Sortis XX/XX/XXXX asked for a resolution. Sortis said they needed to contact their client and would get back me and let me know what their client said about the offer to resolve the debt. On XXXX XXXX, XXXX, I had not heard back from Sortis, so I called them myself. They did not have an answer, but they said they would follow up the next, which they did and denied my request to pay the balance from what I previously paid and the agreed amount. I then made an offer to pay {$3000.00} to resolve the matter. One week later, XXXX XXXX, XXXX, I still had not heard from Sortis, so I called them again and they still had no answer to my offer to pay extra to resolve the matter. But Sortis said they would call me on XXXX XXXX, XXXX, today is XXXX XXXX, XXXX and I still have not heard from them. 
I understand this situation was caused by a misunderstanding or miscommunication but I'm trying with good faith to resolve the matter and they are not acting in good faith.
I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.
I have several accounts with Navy Federal CU and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX and Transunion and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX.
Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both
My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.
A company that would ONLY identify themselves as " Receivables Performance Management '' WILL NOT stop calling TWO of us in this home! They keep asking for a " XXXX '' or " XXXX '' or whoever. They have called SO many times and been SO very abusive that I would honestly like to persue criminal charges and even civil too. The abuse is UNBELIEVABLE! The two odd things are : 1 ) they have TWO of our phone numbers in the same house, asking for the same person ... both of us have explained SEVERAL times we do NOT know her! We have NO debt with them! They get VERY rude and call over and over. I told them I would report to FTC, FCC, here and State Attorney General 's Office, but they laugh and hang up. Guess what? 10 minutes later his phone rings. 30 minutes later, my phone rings. This is not only bad business practice, but this is directly harassment! They will not identify themselves beyond that " company name '', and refuse to remove our numbers. I do not know how calling over and over will help get some XXXX here. PLEASE! HELP US MAKE THEM STOP! Here is the phone number, the same number every time that they call from is : XXXX. My name is XXXX XXXX and my number is XXXX and XXXX XXXX, the other victim of repetitive calls number is XXXX. Address here is XXXX XXXX XXXX in XXXX, VA and zip is XXXX. PLEASE.. we can not deal with this. Our numbers can NOT be changed, and I can not disclose why. I apologize for that. Thank you!
I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.
I purchased an investment home in XXXX from the VA under their VA Vendee Loan program. The {$130000.00} VA mortgage was processed and held by XXXX  XXXX XXXX from XXXX until summer XXXX. I routinely overpay each month to accelerate my principal payback and reduce interest costs. During this time I had no problems in dealing with XXXX, prepaying principal, or correctly crediting my payments and pricipal overpayment to Interest and Principal balances. 
In XXXX XXXX transferred my mortgage to Carrington Mortgage Services LLC. Since that transfer, Carrington has repeatedly and incorrectly charged my monthly overpayments as future loan coupon payments, meaning they are not reducing my principal owed when I overpay, and charge/collect the future interest payment on the incorrect loan balance. I regularly call Carrington to reverse the future coupon payments, and reapply overpayment to principal owed. This is a nuisance that I've never had to tolerate with any other mortgage holder, but it seemed to address the problem. 
However, during my monthly complaint call in early XXXX, Carrington 's customer service rep claimed he can't reverse interest collected in because 'the XXXX books are closed ', with the result that any XXXX excess principal payments I made in XXXX - that they incorrectly reallocated to future XXXX interest payments - are irreversible and non refundable. I do not see any such clause in my XXXX mortgage documents, and I have never had a mortgage servicer fail to correctly and accurately allocated principal overpayments to my loan balance, and recompute interest per the new balance. 
One rep asked that I no longer include principal overpayment within the same mortgage payment check, to ensure it is credited separately as principal. I complied the following month, but the second check was also applied to future interest, principal, and escrow. After one of my calls when the rep agreed to reverse my {$8000.00} overpayment to ensure it was credited to principal balance, the next monthly statement shows the correction was also reversed back to future coupon payments. 
I am not a financial scholar, but I believe the term 'fraudulent ' accurately describes this firm 's routine policy of failing to correctly allocate principal payments and recompute interest owed, and failing to correct interest collections due to 'closing the books '. In my understanding, any loan is active as long as there is a balance, and erroneous computations are always subject to correction. 
After many months of this recurring issue, I recently decided to pay this loan in full to conclude my dealings with this firm. The payoff amount provided by Carrington this week failed to credit my principal overpayments, overstating my amount owed - their figure does not credit unearned future interest payments that were supposed to have reduced principal in the month paid. I can not get a straight answer or correct loan balance from anyone available by phone at this firm, and from a quick search online, my experience is consistent with Carrington 's unearned interest collection practices with other clients.
I opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX.

To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt.
i was not aware of a debt that i am being garnished for. no proper communication to aknowlodge my debt.
i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Navient refuses to work with me. Their website states they 're here to help but has chosen to ignore my request for a deferment and I have been subjected to numerous phone calls and e-mails from them. If I knew that updating my information with them would have this negative consequence I would of never given them my new information. I am having financial difficulties and requested a deferment until XX/XX/XXXX of this year but they have ignored the request and instead I am the recipient of near constant phone calls and e-mails. My loans are now way past due and they refuse to bring them current and grant me a deferment.
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters impacted XXXX XXXX XXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
I have received two voicemails from a XXXX from NCB Management with the following details : this is a purchased debt, looking to set up affordable arrangements and the call is from a debt collector. These voicemails have been left on a cell phone, which I have n't extended consent to call, and they 've left very detailed information on a line that is not registered to me nor does it identify me in the recording, which is high risk for third party disclosure.
I have maintained Savings and several CD accounts at Ally Financial for ten years. In XX/XX/2017, without my request or authorization, someone at Ally changed the first name on my three bank accounts to a different first name ( same last name ). The name they used is not my name. The change was made unilaterally, without consulting me. I noted the error upon logging in to their website in XXXX of this year. I contacted their customer service department and explained the issue. I have now made three separate phone calls and followed up with four emails to Ally customer service. I have sent photocopies of three different forms of identification. The time I have devoted to this problem is now more than three hours. My most recent contact with the company ended when the customer service representative abruptly hung up on me.. I have repeatedly requested that someone from the company contact me and explain why the name on my account was changed. The company has still not changed the name on my accounts and no one from the company will explain to me how this happened.
my mortgage was sold, XXXX sold to XXXX. It is being serviced byShellpont Mortgage XXXX. I applied for and was granted a modification in XXXX. by XXXX XXXX The first payment was due XXXX. The agreement states if the next XXXX payments were made on time the modification would be permanent. all payments ( XXXX ) were made on time, I have been making my payments to the new service co, shellpoint on time. They advise me they have no paper work from XXXX, and are waiting. for it They also have no paperwork from XXXX on my XXXX application. which was compleeted in XXXX My home is still in the foreclosure process even though all payments were paid on time. XXXX failed in its obligation to oversee the selling of the mortgage and that it was serviced properly.