WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I began a small account with XXXX XXXX XXXX  for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. 

Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. 

XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it!

I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.
Ditech has applied mortgage payments incorrectly and a mortgage payment is missing. I use auto pay to pay this mortgage and when my interest rate increased in XX/XX/2016 ( XXXX ) they started calling from their collections department stating that I was not current on my mortgage, which was incorrect. I allowed them back in XX/XX/2016 to take the adjusted increased mortgage and was assured that they would not take my auto amount also. They deducted both so I told them to apply the original amount to principle. This started a series of journal adjustments to my account and now an entire payment is missing. In XX/XX/2016 I made my usual auto payment of {$1800.00}. In XX/XX/2016 the new amount of {$2100.00} was deducted from my bank account along with the {$1800.00}. In XX/XX/2016 & XX/XX/2016 they deducted the auto amount {$2100.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016 they deducted the auto amount of {$2100.00}. I have tried to work with Ditech but contacted XXXX when I realized that they were not crediting my account properly and my mortgage balance was higher after payments were credited. XXXX tried to get the information corrected but was unsuccessful. XXXX agrees that there is still an entire payment missing from my account history and the balance is incorrect but could not get Ditech to respond to their inquiries. Yesterday my representative with XXXX, XXXX, suggested that I contact CFPB to get resolution as she was unable to correct the information. Ditech has finally stopped contacting me from the collections department, which they never should have as I am current and have been as long as they have had my loan.
Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply.
I applied for a job at a car dealership. They wanted to me to get a background check, so I went in and applied for one. The background check company called me back and told me that a XXXX man in Idaho is using my social security number. When I tried to correct the situation and put my information in for a credit report. Its coming up that Im invalid.
I have sent notice to XXXX  credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month
on XX/XX/XXXX XXXX XXXX credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by Fenton McGarvey Law firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX  was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payment, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed XXXX  and Fenton Mcgarvey several times more than 20 times with the attached settlement agreement sent by XXXX  and the total amount of payment made to the new debit collector. See attachment of email from me and my attorney. XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement.

XXXX XXXX must report as XXXX balance. thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. thankyou XXXX XXXX
I went through and completed a student loan rehabilitation program in XX/XX/2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since XX/XX/2013. It 's been over 4 years, but XXXX ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my XXXX and Experian credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.
The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan
Wells Fargo sent me personalized marketing offering a 12 month 0 % interest promotional period for opening a XXXX XXXX XXXX credit card. As an existing Wells Fargo credit card customer, they have the right to use my customer information to market to me. 

I applied for the card at the end of XXXX and finally received my card on XX/XX/XXXX. I spoke to Wells Fargo representatives about the account on XX/XX/XXXX, and then several times after that when I was surprised to see that I had a minimum payment due. Previous experiences with Wells Fargo and XXXX credit cards did not have minimum payments due during promotional periods. They told me this one did. 

On XX/XX/XXXX I saw an interest charge when reviewing my online statement. I contacted the company to correct the error, as I was within the 12 month promotional period. I was told that because I had opened a Wells Fargo XXXX Visa in XX/XX/XXXX, I was ineligible for a promotional rate. 

Wells Fargo had ample opportunity to notify me of this during any of several previous calls about this account. Further, Wells Fargo should not have marketed to me offering a 0 % promotional rate if I was ineligible. Further still, I believe that opening a card on XX/XX/XXXX is more than 12 months away from the second open date of XX/XX/XXXX. 

This was deceptive and deprived me of the ability to manage my finances. I can not close this card without repercussions to my credit. I can not open another card with a different provider without repercussions to my credit. I have been choosing to save heavily rather than pay off balances, because I thought I had a 0 % line of credit, which caused me to incur interest charges I could have avoided. 

This is deceptive and a " bait and switch '' advertising tactic. Wells Fargo made no reasonable effort to notify me of this ridiculous rule ( which I did not experience with XXXX or other providers ) and hid it in the " fine print ''.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... $ XXXXper month ... wife has XXXX and was XXXX..i had to take care of all bills.
I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from XXXX.
I currently have a HELOC with Shellpoint Mortgage Servicing. I am wanting to pay off this loan and when I go to the company website it allows me to obtain a payoff as of the current day. When I do that It shows a principal balance of approximately {$27000.00} and interest due of {$500.00} with a per diem of {$6.00}. The amount of interest due of {$500.00} is roughly 72 days of interest. I make a payment on this loan every month in an amount that exceeds the interest due and the difference goes to principal. I have never missed a monthly payment so do not understand how I could possibly owe over 2 months of interest at the payoff. I have called the company several times and they can't give me an answer except to tell me to e-mail them. I have done this but still have not got an answer. 

I just want to get this paid off but I don't want to pay more interest than is due.
Dear Sir or Madam : Consumer Financial Protection BureauRe : Dear : INVESTIGATORThis letter is to complaint about a problem I am having with the Credit Agency on a chapter XXXX case from XXXX XXXX, XXXX that has been dismissed close since XX/XX/XXXX XXXX. I been trying to repair erase and remove from credit report since XXXX XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit and this contribute for me to pay more interest on any credit that I try to open I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their reports letters and other relevant documents with dates of close and dismissed dates unfortunately the problem remains unresolved. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item CHAPTER XXXX DISCHARGE ON XXXX/XXXX/XXXX I am requesting that the item be removed and to correct YOUR FILE information. 
Enclosed are copies of supporting my position. Please re-investigate this matter. 
Thank you for your anticipated assistance in resolving my problem.
In XXXX of XXXX, we were hit with a hurricane and my husband lost his job. We contacted Bank of America and asked what could be done. They offered us a forebearance program that would freeze our payments for 6 months without late fees or penalties. They told us at the end of the 6 months we would we have to start making our payments and they would either work out a repayment plan that would increase our payments or we would have a balloon payment due at the end of our mortgage. At the end of the forebearance period we began making our payments on time for the past 6 months while trying to work on a repayment plan with Bank of America. They are making us go through a loan modification. We are in the middle of the modification and just found out that they have filed foreclosure proceedings against us and added court cost and fees. On their website it states forebearance programs result in repayment programs. We dont understand how this could be legal and want to know what our rights are. Our forebearance amount for the 6 months is XXXX. The outstanding amount is now over XXXX with the attorney and filing fees.
Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number )
65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.
My husband and I both got a payday loan from Check n go. They are taking $ XXXX from me every month and $ XXXX from my husband every 2 weeks for 18 months each. We were told the interest is only 200 % and not a penny more. Yet only {$5.00} goes to principal and the rest interest. When I do the math on both loans it comes to more like 300 % +. They refuse to work with us. I am tired of their so called lying legal department telling me they guarantee the interest is only 200 %. I borrowed {$1300.00} and my husband {$5000.00} by the ladies being so deceiving and calm explaining everything false to both of us. They refused to let us read the papers we were to sign yet tell us let us explain to you what this paperwork says. The ladies falsified the information and left so much information out.
I received an alert from credit monitoring service that a loan with my credentials had been applied for at Cashnetusa.com. I called them as soon as they opened to inform them I did not apply for this loan. I contacted all credit bureaus to freeze my credit and add a fraud alert. I have filed a police report with my local police department. 

When I called the next day they refused to do anything until they receive a written police report. I asked them to cancel the loan, they refused to do anything until they receive a written police report.
I have a complaint regarding the loan process for our cash out refi with Loan Depot. The initial loan estimate was inclusive of a XXXX point lender credit, with a locked interest rate. This lender credit was taken away during the pending approval process, outside of the legal time period. 
The appraisal did not come back as high as anticipated, so the loan value was adjusted. We requested a little time ( a week and a half ) to decide if we were going to pursue the loan with Loan Depot. During this time period, my loan officer 's boss ( XXXX XXXX ) contacted my and tried to pressure me into deciding before I was ready, as I was " costing him money since the funds were being held for our loan. " I told him to leave the loan as pending, and I would decide next week ( still well with my locked period and giving ample time for the underwriters to review ). It was them he called my husband, pressuring him to decide for us and essentially taking a condescending tone toward me. 

We did decide to go ahead with the loan. Hours after I told the loan officer, XXXX XXXX, XXXX XXXX closed out our original loan and opened a new loan, revoking the XXXX point, costing us another {$1500.00} in closing costs. When I asked the loan officer, she said she would ask to get that credit back on. It took 4 days to get back, and she said her boss ( XXXX XXXX ), and his boss both said no. I asked as to why, and I was told the LTV ratio changed from 75 % to 80 %. This was not the case, as the initial anticipated value of the house was XXXX to XXXX and the initial loan was for XXXX ( this is not an LTV of 75 % ). When I pressed her on this, she then said there " was no margin, '' but wouldn't explain further. I asked for all of this in writing in an email, but she declined. 

There is no legal, valid reason for the credit to be removed. The lender was outside of the legal time frame to make adjustments ( 3 days ). Our appraisal came back on XX/XX/XXXX. The updated loan estimate ( and removal of the credit ) was sent on XX/XX/XXXX. All of this is documented. We were advised from legal that there is a time period that adjustments to credits and points may be made, and that this was well outside of it. 

This was bait and switch pricing, and it was poor.
On XX/XX/XXXX, I received an email to my corporate email regarding a unknown debt and an attempt to collect this debt. When I return their phone called, I made them aware that I did not own this debt and they continued to harass me and tell me I owed the money without verifying you the original debt holder was. They have the last 4 of my SS # and my work email address, which any one can buy on the internet. 
I have also received several phone calls and text messages from multiple numbers. 
They are alleging I owe {$750.00} to a company names XXXX XXXX. They can not or will not supply me with more information than that. I have never heard of and I have never borrowed money from XXXX XXXX.
Wells Fargo had advised me of how much my mortgage payment would be after the month of XXXX. I was about to make a payment and they had increased the amount I saw on my statement. When i inquired about it they told me I had NOT paid my escrow and they added that into yet another payment amount. After some research they told me i was correct and they would make the adjustment to my mortgage because I just caught up with all {$13000.00} fees and mortgage.
I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted XXXX and Transunion even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, XXXX deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, XXXX adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. Transunion supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.
I was set up to complete a mortgage with Quicken Loans INC. the third party appraiser, turned in an appraisal document with words mispelled, missing or incorrect information, and failed to fill out the certification that the individual was physically present at the property. Quicken Loans failed to contact me to get the matter resolved. I as an individual had to gather documents from XXXX, and local tax office to show the invalid information contained within the report. Quicken Loans failed to contact the consumer to update him of the process, the consumer had to reach out to Quicken Loans multiple times, and finally Quicken Loans in an email admitted that the XXXX party appraisal management company found that the comparable properties turned in by the consumer should have been considered. Quicken Loans after nearly a week and a half has failed to resolve the situation. Quicken Loans stated via telephone that the issue was the consumers fault. Quicken Loans has failed to refund any deposit made by the consumer. Quicken Loans has failed to follow any good faith gestures in their short comings.