WillisBack/dataset-financial-user-claim huggingface dataset:
I made a purchase on XXXX for {$5200.00} with a new Wells Fargo account. I had 18 months interest free. If I did n't pay it off by 18 months I would be charged 27.99 %. I made a XXXX purchase on XXXX. If I did n't pay it off by 12 months I would be charged 28.24 %. Before making the second purchase I called multiple times to make sure of all details including interest, payment terms, balance, etc. I called both on and off the record so some of my calls were recorded. I also called the day of my second purchase from the supplier. I 'm not sure if that call was recorded. I was told that if I continued to make the same payments I was currently making the full payment would go towards the oldest purchase. I received a notice on XXXX that I was charged {$1600.00} in interest saying that my first purchase was over the 18 months and was not paid in full. It was then I discovered that they were not applying my full payment to the first purchase. I paid {$290.00} per month for the duration until my last payment ( for the first purchase ) where I paid what I thought was the remaining of {$370.00}. I called in and the first person told me there was nothing she could do. I asked for a manager who told me he only had access to notes and the notes did n't show me asking about payments and all he, or anyone could do was give me a 25 % discount ( {$1200.00} ) if I paid that day. He said he could not send me a copy of the notes and there were no longer any recordings. I got him to send me to his manager who told me he misunderstood and she could look up the recordings but I was not able to listen. She listened to the recordings they did have and said that they did n't contain the part where I asked about how payments would be applied. She told me she did n't have a recording from our call on the day of my second purchase and said if I made a call without entering my account number then that call would not be recorded so it was possible I got the bad information on an unrecorded call. She, however, was able to offer me a 50 % discount if I paid that day even though the previous gentleman told me all anyone could give me was 25 %. I took the deal as I was worried about having to pay the full amount. I also asked how Wells Fargo decided what amount to apply towards the first purchase and the second with each payment. I was told that my statement would not show each payment amount each month and that I needed to figure that out by comparing multiple months worth of statements. Each months statement was clear in showing me the total payment and decreasing total balance but does not show as clearly that those payments were being split up. I assumed, based on what I was told, that the payments were going to the oldest purchase first. If I remember correctly, the last lady I talked to seemed to agree that it was easy to see that I was acting as though I thought payment was being made in full by the due date since my payment was {$290.00} every month until the last payment of {$370.00}. For these reasons, it feels unfair to impose such a harsh penalty. I felt deceived by customer service numerous times and by the unclear layout of my monthly statements.
Someone opened up a Navy Federal Credit Union account in my name. I have tried twice to dispute it with them, and they denied me both times. I even asked them to tell me how the credit money was used so I could prove it was n't me, and they did n't give me that chance. It is negatively affecting my score.
On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered. 

A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it. 

On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt. 

On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated. 

On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.
I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i called Credit acceptance and advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. ( However the I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigated. finance company verified the account anyhow without my consent ) I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigate. I constantly have to call the finance company about the mattet in which speaking with XXXX today basically stated oh well im stuck with the deal.
there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!
I have had XXXX different accounts with with Navy Federal. With each account they charge outrageous and excessive fees for their OOPS feature for checking account. They restricted access to the XXXX accounts that I have had that they closed without notice to me. Even when visiting a local branch I was denied access to statements and transaction history. The fees range anywhere from {$20.00} to {$60.00} at a time. After paying accounts in full and establishing new account, they still restricted access to many features that are included with the account. I have no problem paying the accounts with bringing them into good status but what I do not agree with is paying {$20.00} to {$60.00} on transactions they authorized. I find it deceptive and a way to take more money out of the consumers pocket. I ask that the CFPB look into this business practice. Also the threat of closing accounts or closing accounts entirely before the 30 day ( 60days in most instances ) without notice or allowing consumer to bring the account into positive standing is unlawful. 

My other concern is there unethical and discriminatory lending practices and discriminatory practice in how they approve members for their credit cards. Each denial stated that I would receive notice as to why was denied and how I could ask for reconsideration. I have yet to receive any notices from Navy Federal since I first applied in XX/XX/2016. I was told over the phone to wait a month and reapply and I would get approved. I waited a month and still got denied. Still did n't receive a denial notice in the mail. For the most part Navy Federal is not bad but some of their business practices are shady and take advantage of the individual consumer who has invested in shares in this institution. Some of their practices are very predatory and make it virtually impossible for consumers to bring account in red back to black
I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
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Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
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Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.
Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court county, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....
I reached out to Capital One Auto Finance in XXXX to see if they would be willing to make a goodwill adjustment to my account and forgive late status from the prior year. The request was denied and they have reported to credit reporting agencies that I have filed a direct dispute with them. I sent a followup letter to Capital One that I was not disputing the accuracy of the late payments but rather requesting forgiveness for the late payments due to my circumstances. Again I received notification that my account was being disputed. I checked my credit report and it sates that the account is being disputed. 

Since they have done so, they accept the obligation to treat it as they have interpreted it ... .. as a dispute. This triggers their obligation to conclude a reasonable investigation within 30 days, and send me a formal notice of results of that investigation within 5 business days after conclusion of the 30-day investigation period. 

I believe this is a violation of the direct dispute process under FCRA 623 ( a ) ( 8 ). 

Capital One can not consider and report it as a direct dispute and then ignore their obligation to treat it as such. 

My request was not frivolous or irrelevant. I was in the process of home buying when I submitted my request. Having a disputed account made the mortgage lender I was working with concerned. I reached out to Capital One a second time to clarify the request and have the " dispute '' removed and Capital One ignored my request. This caused me to lose my lender and now I have to start all over.
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.
We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX XXXX  now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX acct # XXXX XXXX XXXX : XXXX XXXX *
I have recieved information from this source.. and asked me if i had work XXXX. I said where in the XXXX you got that from ... he told me..they get from credit report from the credit bureau.. and it shows other addresses. I dont know how in the XXXX the bureau get this false information that ruins to get a jobs.and my credit.. and i found in equifax they so have wrong information and bad inquires in my credit report.. i.try to sent a dispute online ..but i cant because they charge of fees.. did it cost them to input wrong information in my credit report.. why in the XXXX they want to charge fees when it didnt cost them nothing. Im tired of.getting bad reports, false monitorimg from credit bureau. They dont even sent out a letter to correct this issues
Navient processes my student loan. There is no option on the initial payment method online to make additional payment to principal. This is misleading to the consumer and creates a situation that takes advantage of the student who may have a low level of understanding of the process. In order to pay beyond the standard payment two separate payments must be made. This is not clear or instructed anywhere that I can find online
I was shocked when reviewing my credit report and found late payments on the date below : XXXX 30 days late as of XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX shows no late payments. There are clear discrepancies between the credit bureaus in the credit history. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
In XXXX XXXX, a little over a year following my divorce, Wells Fargo foreclosed on my home. Local attorneys representing Wells Fargo attempted to collect a deficiency judgment on the property. Because I could not pay the debt, I filed Chapter XXXX bankruptcy because of the consequences of this debt, and I received a discharge of the bankruptcy from the XXXX Court for the XXXX XXXX XXXX in XXXX XXXX. The XXXX XXXX XXXX Court sustained my attorney 's objection to Wells Fargo 's motion for deficiency judgment in XXXX XXXX. 

Wells Fargo purchased a homeowner 's policy for this property in XXXX or XXXX XXXX. Even after the foreclosure, Wells Fargo maintained the policy and attempted to bill me for it. The final cancellation for the policy did not occur until XXXX XXXX, four months after my attorney sent them a letter reminding them of the foreclosure and informing them that I no longer owned the property. 

I continue to get mail from the Wells Fargo Home Preservation Department demanding that I call and speak to them about my loan and telling me that they are attempting to collect a debt. The home belongs to them, their motion for deficiency judgment was n't accepted by the court, and I owe them nothing.
I was Paid XXXX XXXX up front for a vehicle just to ride off the lot and seemed legit due to all the personal visits and paperwork. The only odd part was that I noticed the car was parked in the back of the warehouse rather then being displayed in the front. I only was giving 1 set of keys and 1 license plate then was told that my bank denied me then accepted me. Ive paid up to 15 grand with 5 extra in repairs from 2 different mechanics who never got the job 100 % done. The check engine light remained on and was told tridents chewed up on the electrical.. the car was stolen or fraudulently sold to me and the scammers were all in cahoots. I later got into an accident after an unauthorized toll company tolls my vehicle then returns it back to me. XXXX pd sanctioned the toll but claims that I didnt need to get a clearance. I get my car back after paying another XXXX and then the car breaks go out. Several issues and several assasination attempts but Im still blessed to speak about it. Wellsfargo who is my investor are obligated to have a car like that insured but from what I see now is Ive been getting scammed left and right. On top of that my accounts gets wiped and several in authorized accounts have been opened. Seems like my own family are out to get me and steal from me. Wellsfargo denies it all but Im just being patient the data dont lie ...
An account showing delinquent on my credit report. I contact the company and they request it remove from all   XXXX   credit bureau.   XXXX    removed it but equifax refuses to remove it on several attempts from me and from the reporting company. They state that regardless if the account does n't belong to me it has to stay on my credit for 7 years.
This is a charge for XXXX equipment when I cancelled my service with them. I returned the equipment with the return receipt that they sent me to return it. I have attached the complete record of this. I have the label where it was shipped and a copy of the items there were shipped back, as well as the email authorizing the return. I have contacted XXXX XXXX XXXX and the collections people repeatedly about this but have not gotten any assistance. I do owe on a wireless bill too and will be paying that because I owe it but this, I do not owe!
1 ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment
I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.
I refinanced my first and second mortgage, which included money for payment on my Auto loan, credit card and student loan. I received checks for each pay off made out to each lending institution. All were accepted and the respective loan payed off, except the one to Navient. They keep rejecting the check saying that the bank account is invalid.I have attempted to pay them at least 4 times now. Each time they tell me that the bank account is not valid. I now have late payments listed on my account because they wo n't accept the pay off. If the account number for the bank is not valid, why did n't the other lending institutions have difficulties?