WillisBack/dataset-financial-user-claim huggingface dataset:
I pay a minimum amount of {$220.00} to XXXX XXXX XXXX XXXX on the XXXX of each month. After my payment is made, my balance is only reduced by {$1.00}. According a customer service rep, I am only paying the interest. On XX/XX/XXXX, I made an additional payment of {$100.00}, which reduced my balance by {$65.00}, bringing my balance down to {$46.00}, XXXX. Today, I checked my balance, which is now increased by {$81.00}, which inflated my balance to {$46000.00}. I believe Navient is robbing me. I am not even able to see how much interest is accrued each month. I've sent them an inquiry regarding this issue today and is awaiting their response.
Diversified consultants keeps calling to collect a debt I don't owe, reporting it to different credit agencies repeatedly. a debt of XXXX is said to be owed on some equipment that was retuned but not credited
Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.
XXXX/XXXX/XXXX went to wells Fargo to refinance mortgage. loan officer submitted application charged a fee for an appraisal {$500.00}. They did not approve my loan based on the income of my grandmother because I was co signed on a property with her. They did request that I prove that I do not make the monthly mortgage payment by providing mortgage statements or bank statements. I provided the required documents and later found out that they would be declining the loan because they felt that my grandmothers income was n't sufficient enough to pay the monthly mortgage on the property. I did speak with there executive office and express that the mortgage refinance was strictly on my primary residence and that my grandmothers income had nothing to do with my loan. After a month long battle they still stuck with there decision to decline my loan based on the income of another individual not related to my loan at all and they would not refund my appraisal fee of {$500.00}.
Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
I used www.annualcreditreport.com to request a free credit report from TransUnion on XX/XX/2015. Due to internet issues, I never saw my report nor had a chance to save that report. When I finally connected XXXX minutes later, I received this message, " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " Does the law not require that I can " request and **obtain** all the information about [ me ] in the files of a consumer reporting agency? '' I do not want an updated report, but access to the report I allegedly " received '' on XX/XX/2015. As the consumer reporting agencies already maintain a record of my most recent date of " file disclosure, '' it is nearly costless to them to allow me to obtain my XX/XX/2015 report until I am eligible to " receive '' an updated report. Does the FCRA law allow these agencies to seal my " free disclosure file '' for one year due to a failed online attempt at " disclosure ''? I would like CFPB to help enforce substantive " disclosure '' or the " right to obtain a copy '' -- can you help me?
Navient has disabled the Custom Pay option for me giving me a technical error everyday time. Ive been making 2 or 3 smaller payments a month and put in as much as i can but now they have disabled that option as well. Their employees are getting nasty on the phone as well and will hang up the phone occasionally before the conversation has ended. Can something be done about this?
My loan payment, set by my private lender, is in excess if {$2000.00} per month. I, however, make just over {$3000.00} per month - post taxes and other withholding fees. After explaining my situation to my lender and trying to find pathways to reduce my payment to a financially feasible amount, the best they seem able to do is reduce my payment to just under {$1000.00}. 
I understand that my total loan amount with this lender is nearly {$200000.00}, but a more realistic payment would be attainable if my interest rates did not range from 7.25 to 10 %. I have continued to make " good faith payments '' to demonstrate that I am willing to pay and in no way attempting to blow off my responsibility, but being a that I only graduated XXXX months ago, it is virtually impossible for me to come-up with the type of money they are demanding. I would turn to my family and my cosigners, in particular, for more help, but the required repayment and subsequent repayment options offered by my lender still leave us desperately inadequate. 

I am currently seeking higher paying employment and ways to reduce my living expenses, but my options and professional growth as an XXXX are limited as a direct result of my crippling student loan debt.
On XX/XX/2016, we made a purchase with XXXX XXXX in the amount of {$1700.00}, which included a {$150.00} fee to be eligible for a 24 month, 0 % interest, equal payment plan on the purchase. The monthly amount due was {$76.00}, more than enough to satisfy the purchase within the 24 months. 
This month, when we went to pay our bill online ( we do not receive paper statements ), we discovered that promotion is ending, but instead of owing {$76.00} or less, we owe more than {$180.00} on the purchase! 
When we looked at our online statements, that's when we realized XXXX XXXX XXXX has been applying our payments to subsequent purchases at amounts which now makes it appear we haven't been paying enough on the original purchase ( when we have ). When I called to find out why they were applying our payments in this way, both representatives argued with me. First, XXXX told me that's just how they apply payments. When I asked to be transferred to a manager, XXXX gave me 2 lies -- the first being that we aren't incurring any interest ( ignoring the fact that we will begin to accrue interest when the balance isn't satisfied in full on XX/XX/XXXX, despite having paid {$150.00} to have equal payments to avoid the threat of interest ), and the second that the {$150.00} fee wasn't included in the {$1700.00}. 
Now, our option is to pay the {$130.00} minimum payment ( which includes subsequent purchases subject to the same terms with an additional {$150.00} fee ) and incur interest on the outstanding balance owed for the first purchase OR pay {$130.00} PLUS the {$180.00} which means the {$150.00} fee was a lie because XXXX XXXX XXXX didn't do as promised and calculate 24 equal payments for us to avoid having to incur or pay interest.
I opened CheckingXXXX and SavingsXXXX with a promotion for a {$400.00} bonus for maintaining a balance of {$15000.00} for 60days. I confirmed with the agent I was enrolled and complied with the rules of the promotion. I completed the terms of the promotion, the {$400.00} credit was to be applied within 90 days which was XX/XX/XXXX. The bonus was not posted.
I finance my car through bridgecrest. They continue to call before XXXX. I have told them several times I have relocated.I still recieve phone calls at XXXX .They also leave several voice mails a day.
Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.
This is a follow up complaint on a problem I had with funds transfer my USAA checking account on XX/XX/2019. I transferred {$1100.00} from my XXXX XXXX XXXX checking account to my USAA on the USAA app and when the transaction was completed, USAA put a hold in the amount of {$700.00} until XX/XX/2019. On XX/XX/2019 I logged on to my account and saw that USAA changed the hold until XX/XX/2019. I contacted USAA and after being transferred to several representatives, I spoke with XXXX on the CEO 's Office who told me that he filed a ticket and I would be contacted in two days. USAA never contacted me in response to XXXX 's ticket and since I also filed a complaint with CFPB, yesterday I received a voice mail and an email from XXXX XXXX from USAA, but when tried to contact her today at XXXX to discuss my car payment which USAA returned unpaid, although funds were available on my USAA checking account, I only reached her voicemail. I called USAA again and was transferred to XXXX at XXXX, also in the CEO 's office. He told me that he could not help me because he was not assigned to my case and again, my issue was not resolved. I contacted USAA on regular business hours to ensure that my problem would be resolved and that I would be able to request a letter from USAA to XXXX XXXX XXXX explaining the return on my payment when funds were on my account. but was not able to speak with XXXX XXXX or anyone else who could help me. XXXX XXXX was clear on her voicemail that she was calling me to discuss my complaint with CFPB, but didn't seem to be interested on discussing the problem with my account. Today I withdrew the funds from USAA and will make my payment to XXXX XXXX XXXX from my XXXX  XXXX XXXX account, since USAA is not a reliable bank.
Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States of America.
I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

Sincerely, XXXX XXXX
I have a hard inquiry on my XXXX score report which I don't why it has happened. I have called the company but get stuck in automatic reply. I am trying to fix the untreated reports before applying for a new credit card. I appreciate if you can help me to remove this hard inquiry from my account to improve my score.
I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear? 
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer. 
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.
items still remain on credit report after being paid and released by state of georgia and XXXX XXXX
Our home in XXXX was destroyed in the XXXX XXXX wildfire and we received an insurance check of over {$280000.00} for the loss. It was made out to our mortgage company, Nationstar Mortgage, my husband and myself. We signed it and sent it certified mail and it was received on XXXX XXXX. We noticed it was posted to our account on the XXXX as a credit but the balance of the loan was still the same. We called and went through all kinds of hoops to talk to a customer service supervisor XXXX XXXX XXXX and she said it could NOT be paid off because they could not find the notarized mortgage affidavit that we mailed along with the check. I know it was in the letter because I folded it up and placed the check inside for security. My husband told them it better be paid off and they better stop charging us interest. The supervisor said she would keep up informed and call the following day but we never received a call or any other information. The loan balance of a little over {$95000.00} was paid off on XXXX XXXX but we have not received the balance due us of over {$180000.00} dollars or heard anything from anyone else at Nationstar. They have had the money for two weeks tomorrow and nothing!
I applied to have my loan payments decreased in XXXX of 2016, I was denied by Chase/XXXX and the reason stated was " income '' but no further details were given. 

I called XXXX and they told me I was denied multiple times so Chase must have done their best to make sure all my paperwork was reviewed. 

What I want to know is more details about how my income was denied. I am currently working part time and receive partial unemployment benefits. I have medicaid as receive a modest amount of food assistance. 

I do n't understand why I am not able to know more details about why my application was denied. 

I work diligently to keep financial life afloat and my credit in good standing. I continue to make payments, even if they are late I do it as a sign of good faith that I am doing what I can and not just defaulting on my loans. 

I need answers.
In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.
I have disputed with the three credit reporting agencies, XXXX, Equifax and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX  XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
I am trying to get a copy of my credit report as held by Experian ; as an Adverse decision was made today to a request I made for credit with XXXX. Online I can not make the request for a copy of my report without an account or payment. I can not make inquiry by phone without providing my social security number, which is the question the recording leads with. I understand since Experian is the source of the credit information referenced by XXXX on my Experian has a duty to furnish me with that report. I have used the contact information from the denial letter I received with the above mentioned results. This agency is the last listed in the denial I am contacting toget a copy of my report.
I have an escrow account with my mortgage. I received a cancellation notice of my homeowners insurance and called the escrow dept and they stated they had no record they were to pay the insurance. I had slipped through the cracks\!! They ended up paying XXXX annual premiums. Then my property taxes were due and I was assured my taxes would be paid. However, it created a major deficient in my escrow account. During that period, they did an escrow review and notified me XX/XX/XXXX, my payment was increased {$100.00} in XX/XX/XXXX- not even XXXX days notice. My payment does not need to be increased. It was only because of their error the mess was created. Their mistake and I am penalized. Then I received another notice my payment would be increased {$100.00} in XXXX, 2015 to correct the escrow account. The insurance company is to return the overpayment to me but I have not received it. As soon as I receive it, I will correct the deficit on the escrow account. In the meantime, the company has sent me the statement for XXXX, 2015 adding an additional payment of {$45.00} I presume is for the escrow account. I am informed that when the deficit amount is brought current, I can request to eliminate the escrow account which I plan to do. But what do I have to pay until then? Not my mistake and yet I have to be penalized. Customers who have not missed a payment nor been late with any payments, should not be treated this way. They violated the rules and are trying to make themselves look blameless and blame the customer.