WillisBack/dataset-financial-user-claim huggingface dataset:
I have several loans with Navient. I always pay more than the minimum fee to take off more of the principal. Now looking at my account history for each of my loans, there are many instances where more interest was being paid than the principal. In fact ONLY interest was being paid on some of them for a period of time. After speaking with someone on the phone the amount of interest I have been accruing I believe is on a loan amount higher than it should be. She also advised me that my " account history '' was incorrect and that I needed to look at Account transaction history, which also did not appear correct based on the information she was giving me.
On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX
I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account as well.
To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.
Dear staff, I recently opened a PayPal account online, also formerly known as XXXX XXXX XXXX. I was approved for this account right away after applying for PayPal online account. When I tried to use me card my purchases would not go through, I called PayPal and they said they see I tried to make a purchase for XXXX at XXXX for toothbrushes. The agent stated since it was a new account I should try another store, unfortunately that did not work either, I made another call and the second agent said maybe the system is trying to determine if it's really me. 

I checked my account the next day and noticed that all my credit was done and the account was closed. I called PayPal and they said that they found an account in my name from XX/XX/XXXX '' which was fifteen years ago. They said I opened a XXXX XXXX XXXX account, which in fact I never had any accounts in XX/XX/XXXX. I reported this account as fraudulent to them and explained I never had or opened any accounts in the name of XXXX XXXX XXXX. I asked the agent what it was for, they told me they did not know and that can't see that far back. I then asked were it was opened again they did not say. I did ask for the amount that was in question the agent stated in or around a XXXX Dollars. Again I reported this as fraud and told them I never opened an account. I then asked for an account number so I can report a fraud claim, again they did not have one. The agent stated that she will submit the fraud to their back office and I will get a letter in the mail if it's in my favor. Unfortunately I can't report a fraud claim since I do not know what it is I am reporting. Secondly I never had a bill me later account that I opened. She then asked me if I know anyone that could have done this. I told her I was a student and had many roommates living with me, I could not confirm if someone stolen my information since this is 15 years ago. I checked with all the credit burues and they all checked their archives their is no documentation of any account in said names. 


I was approved for a XXXXDollar credit line and I want my credit back. Since this is fraudulent and I had not opened this account 15years ago. 

According to the FCRA accounts that are that old should have been deleted, other than child support or other federal loans. This was also mentioned that it was illegal to use an account that is a retail account from 15 years ago. I also reported all known addresses and phone numbers to the agent and she said none of them matched what she has. I also am on file with the three credit burues and they have all my address since XX/XX/XXXX. 

I am requesting that my account be reinstated effective immediately. 

I am also notifying the District attorneys office. And the BBB. I will also seek counsel since this is a fraudulent account and consumers have rights under the Law.
Collection company representative repeated threatening legal action and negative credit reporting as well as seizure of company property in collection attempts to collect a debt that we do not owe. Collection representative will hang up the phone when we try to dispute and explain. Collection representative gathers personal telephone numbers and home address and send harassment calls and letters to personal home address when the issue is related to a commercial non-personal debt issue. 
Collection representatives are bullying us into paying what we do not owe. They are using information obtained from us verbally by phone using incorrect information to demand added premium on an insurance policy that has expired and paid in full according to terms.
I recently changed my auto-pay from XXXX checking account to another to my student loan account via Cornerstone. They never notified me that by doing that they would skip my current payment and continue next month. The ONLY reason I knew it was n't going to apply I logged into my account to make sure it my account changed and I noticed my account was skipping this months payment. The letter they sent me XXXX ONLY never mentioned skipping my payment for the current month. I feel like this is a way to get more interest from me and very unfair and seems illegal.
I am unable to withdrawal funds from my account for the past 2 months. Coinbase is illegally holding my money. I have spoken to their customer support numerous times and there is no change to my account being locked out. Something must be done.
I got a settlement ; 3 years ago I got a settlement from XXXX for wrongful termination. I took a {$50000.00} settlement, instead of XXXX to XXXX with a free attorney. Due to being homeless I was desperate and took the lower amount, the settlement checks came in two parts, one for XXXX and one for XXXX. The first one I cashed and bought a car. I owed XXXX on the balance of the car, paid bills, ect. My XXXX check came and I attempted to cash it at Chase bank on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Instead of Chase offering me to open my own account, I signed the check over to the car dealership owner, the man who operates XXXX XXXX XXXX which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone number XXXX that I bought my car from per the advice of the bank teller in order to cash it and receive my direct cash. I have a witness to all these statements if needed. They said the check did not clear right away, and that they would transfer the funds from the Car dealership man account to a separate account when the check cleared. But they did not return my check to me when I left that day ; looking back they should have when the checks funds could not be verified. Chase did eventually divert funds to an account in my name, but not for the correct amount, it was XXXX short. Due to being homeless, I and having a diagnosed XXXX  XXXX that prevents me from understanding things clearly, having no mail, email, po box . I had no access to information about my account. So recently, I inquired about {$3000.00} I put into a 3 year CD account. I was told to come in and show ID on the account. Upon doing so, I entered the branch on XXXX XXXX XXXX and XXXX in XXXX XXXX CA. I requested copies of the account, and the teller had an issue with retrieving the statements on my entire account including the CD account and told me to come back later that day. They did give me the statement, refused to answer any further questions, and even turned away my direct deposit check, and told me that they would no longer want to do business with me. I Called Chase before on a balance on my account, and they said there had seemed to be a lot of fraudulent activity on my account. They refused to give me a copy of my original {$40000.00} check.
Ocwen Financial Services not following through on agreement to call and resolve my homeowner insurance situation with their " monitored insurance claim '' process. Ocwen promised me a call within 24 hours on Friday XXXX XXXX, 2015. I was told I would receive a call by the stateside team to address my situation. I have not received that call or any follow-up from Ocwen related to my calls that Friday. It is worth pointing out Ocwen has XXXX % of their staff and call center work in XXXX. Those staff are not XXXX, do n't understand the U.S. and basically read off a pre-scripted sheet. They are the only way to contact Ocwen currently. The only other way I 've found is to contact the CFPB for help. It was during that XXXX XXXX XXXX call center call I was appraised of the insurance release monitoring process they would implement. The problem is I already selected the contractor and had the work done to replace the roof and was not told of this until after! Their process was given to me after the roof completion and is not workable given what has already occurred. Ocwen told me I would receive a call within 24 hours to work out the situation. That did not occur. Beyond talking to XXXX, there is no way to communicate with Ocwen. I had submitted questions via their website months ago about another situation with no response to date. Try to contact them without using the cushy channel they 've set up to pretend the are working with consumers on financial matters in good faith. Please try so you can see what likely many are experiencing. Very difficult to interact with Ocwen and time marches on while the roofing contractor has completed the work and is waiting to be paid. Why no call from the stateside team as they told me I 'd receive? Why no email address to interact with Ocwen? I replied to their message ask for information on " Private Repair Guidelines '' as that is relevant for some work in scope. The email bounced as undeliverable. Or do n't contact us, we 'll contact you. Why not interact in good faith and follow-through as they stated with the stateside phone call to resolve given they created the initial error in not informing me of their process which is now unworkable. 

FYI : Ocwen is not an insurance company and are supposed to be loan servicing company. Apparently my loan was sold to them from a financial institution who said it would n't be sold! That will never happen again. I advise others to beware of and strike out the loan clause which says " Lender shall have the right to hold such insurance proceeds until Lending has had an opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction ''. Ocwen has taken that clause for a ride to include egregious recovery processes and not just a quality inspection.
On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!!
XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.
When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.
I have been trying to obtain my United States credit report under the FACT act and have been having difficulties dealing with Equifax due to the fact that I am XXXX. 
I currently have XXXX XXXX credit cards under my name. 

1 ) I tried to obtain a free credit report at XXXX and it was unable to generate. 
2 ) I ordered an Equifax credit report on their webpage, at the end they asked to confirm my identity and provided a phone number XXXX. Equifax XXXX # XXXX. Equifax then cancelled the order. 
3 ) I phoned that number and they said I needed to speak with XXXX at XXXX XXXX ) When I phoned that number I spoke to XXXX on Team Red .... I explained the situation asked for her supervisor. She put me on hold, kept checking back, and after 15 minutes disconnected the call without any explanation. 

The main issue with Equifax is the fact that there system uses social security numbers however I have a social insurance number. However under legislation they have a duty to provide accurate credit reporting information. As I have XXXX XXXX credit cards when they say I have none this is inaccurate. Furthermore, they do not seem to care to remedy the problem when I have indicated the issue to them. 

Can you please help me fix this issue? 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX XXXX, EQUIFAX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.
XXXX from integrated services called saying I was going to be summoned on 2 counts of fraud with XXXX and has called family members who are not associated with payday loan.
Equifax allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards
I fully paid the balance including the total interest fees of my Chase credit card in XX/XX/2018. There is XXXX balance. Now, JPMorgan Chase bank is charging me an extra interest fee ( hidden fee ) for XX/XX/2018 to XX/XX/2018. They did not warn me about the extra interest fee before paying off the balance and closing the account. I would like the U.S. Department of Treasury or another government agency ( that is in charge of monitoring U.S. banks nationwide ) to investigate JPMorgan Chase Bank 's practices and policy for their interest fees and other fees. Millions of Americans ( who are like me ) may have been charged with extra hidden interest rate fees. I hope you would investigate JPMorgan Chase bank in regards of their interest fees, especially hidden extra fees.