WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.
Good Afternoon, I sent Discover Student Loans a message inquiring about how much interest I was being charged per month. I explained to them, I did the daily simple interest method. For my loans, right now using that method, I 'm being charged around {$1.00} per day which is fine and that amounts to around {$35.00} per month in interest. 

I do n't understand how I was charged {$70.00} in interest for XX/XX/XXXX. I made two payments, one on XXXX/XXXX/2016 for {$640.00} and another on XXXX/XXXX/2016 for {$540.00}. The amount of interest that would have accrued between those dates would have been around {$24.00}, not {$70.00}. For the months prior to that, I 've averaged around {$35.00} per month. 

The second issue, I pay interest monthly through my statement, and thats the {$35.00} or {$70.00} as seen above, now my overall balance is also increasing daily by around $ XXXX- {$2.00}. So not only am I paying interest monthly on my statements, but I 'm also paying interest through having my balance grow. It seems to me, I 'm being double dinged on interest. 

Can you please research this or look into this for me? If interest was incorrectly calculated, can they apply that to my principal balance. For this loan, I originally took out {$26000.00} and my balance today is {$14000.00}. So far, I 've paid a total of {$21000.00} on this loan. ( {$15000.00} has gone towards principal and {$6600.00} has gone towards interest. ) So, if we were to minus the XXXX ( that has gone to principal ) out of the original balance not including interest, my balance today would be {$11000.00}. And that does n't include the {$6600.00} that was already paid to interest. 

Can CFPB or Discover please help? 

Thank you.
A collection from this company appeared on my credit report. I received no communication from them and don't even recognize the debt - I had no opportunity to work with them to figure it out before they reported it.
To Whom It May Concern - were a small business based in XXXX XXXX. This morning we found evidence of embezzlement from a former disgruntled staff member of ours. His final check was made out to him in the amount of {$230.00}. He wrote in an extra $ XXXX ( see attached photos ) on the check ( can clearly see the different handwriting ) and to add insult to injury Wells Fargo gave him another $ XXXX so now were at a loss of at least $ XXXX which is a lot for a small business! However we still have not been reimbursed our money by the bank due to research. Weve since filed a police report with the XXXX ( case # XXXX ) who also confirmed the crime so theyre beginning a thorough investigation. Im reaching out to you to please help escalate this matter for us and expedite the resolution for reimbursement AS A RESULT OF WELLS FARGOS ERROR. Im giving you this opportunity before I file a formal complaint with the FTC ( as we know Wells Fargo doesnt need yet another complaint filed ). We appreciate your attention to this!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had a fixed rate mortgage and a set payment of XXXX. Now after my mortgage being sold 3 times it 's now XXXX. Now I 'm late month after month because it 's doubled
I have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.
I received a Good Bye Letter, dated XXXX XXXX, XXXX, from XXXX XXXX notifying me that the servicing of my home mortgage loan had been transferred to Specialized Loan Servicing, effective XXXX XXXX, XXXX. I also received a Final Escrow Review Statement from XXXX XXXX dated XXXX XXXX, XXXX. 

For the last two years my payments have been on time and my home insurance and city taxes have been paid via the escrow account. The payment became due on the first of the month and I have been paying via my XXXX XXXX online no later than the XXXX of the month. Via my online account i could view prior payments and payments made from my escrow account. 

When I logged in to my XXXX XXXX account this weekend it was not possible to pay online. When I called XXXX XXXX I was told to contact another department ( XXXX ) during business hours. On Monday morning I called and over the phone was given my new loan number with Specialized Loan Servicing and another XXXX number ( XXXX ) In the last week I was unable to contact a live human being at SLS to discuss the status of my loan and the escrow account. I have two options to make a payment Online via XXXX and XXXX XXXX with a {$9.00} fee Via an automated phone system, with a {$9.00} fee Since I have no other options Ive made the XXXX payment today, XXXX XXXX, XXXX online.
I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach
I have repeatedly disputed an account from XXXX, XXXX  that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX  Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;•	The Original Signed Account Agreement and Terms and Conditions. •	The Assignment and Bill of Sale for this account.   •	The Explanation of Accounting for the account balance of XXXX.  In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:•	XXXX XXXX is listed as a financial services company.•	The Loan Type identified as a Factoring Company Account.•	Original Creditor is not listed.•	No Charge Off Amount is listed.•	No Date Closed is listed. This type of reporting is not aligned with Metro 2  Reporting Guidelines or XXXX XXXX XXXX  XXXX instructions, and a potential violation of the Federal Credit Reporting Act.
Monthly payments for {$3700.00} have been paid each month. For the last 12 months,  PHH has h ad consistent issues with listing an escrow on the account and it does NOT have escrow. Taxes and insurance are excluded in the monthly mortgage payment, paid separately by homeowner. As of  XXXX   XXXX ,  2017 ,  PHH h as issued a letter threatening foreclosure and has returned my las t two payments. PHH is now claiming four months are past due.
I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.
My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.
XXXX OWNS SEVERAL PREPAID CARDS e.g. XXXX/NETSPEND/XXXX ETC..

I JUST FINISHED MY TAXES ON XXXX XXXX AND WAS GIVEN THE OPPORTUNITY TO GET A NETSPEND ACCOUNT WHICH WAS SEND 3 DAYS LATER! USED THE ROUTING A ND ACCOUNT NO TO HAVE TAXES FOR STATE AND FEDERAL TAXES DEPSOIT INTO NETSPEND, ON THAT DAY I TRIED TO ACTIVATE CARD AND WAS TOLD I COUNLD'T HAVE A NETSPEND CARD. AND NOW HAVE MY REFUNDS GOING TO THIS ACCOUNT.

ROUTING NO.XXXX

ACCOUNT NO.XXXX
Citibank issued a prepaid/debit card for a refund from XXXX XXXX after switching service from XXXX XXXX. This refund was issued in my deceased husbands name b/c the account was in his name. The card has been lost/misplaced and is due to expire on XXXX XXXX, 2016. I have contacted Citibank 3 times in an attempt to have the missing card replaced. They have refused to do so without paperwork from an executor. I have explained that there was not an executor of his will as nothing went through probate and faxed them the will ( twice ) to show that all of his possessions were left to me. They have not noted the account as such and say that they have not received the will. I find their refusal to replace the card invalid as the first card was sent out after my husband 's death and feel that they are keeping the money unfairly. I am a XXXX year old widow living on social security and the {$87.00} they are refusing me could supply groceries or other needs.
1.- On XX/XX/2018 received at my address letters from Pressler, Felt & Warshow L.L.P . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of XXXX XXXX : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX   3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/2003. They represent XXXX XXXX purchaser of these debts from XXXX and XXXX ( XXXX XXXX ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/2003 ) I was not resident of the state of XXXX XXXX .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that PRESSLER, FELT and WARSHOW are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company. 

Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them????? 
XXXX XXXX XXXX XXXX XXXX XXXX
i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX
I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. 

I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.
Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.
I am XXXX XXXX and receive both social security and long-term XXXX payments. I, along with my wife as co-borrower, applied for a VA loan from George Mason Mortgage in XXXX, VA ( branch office inXXXX, VA. ) I am virtually debt-free and have a credit score of XXXX. 
I have over {$30000.00} in savings, very little consumer debt, and a home that is paid for ( which I am selling ). My wife and I had to contact theCEO of George Mason Mortgage, XXXX XXXX XXXX, and file a complaintagainst its loan officer, XXXX XXXX, because he was not processing my VA loan, my VA loan and kept drilling me on my public assistance and LTDpayments ( " income '' ) even though I provided him a lot of supportingdocumentation regarding my income ( which is sufficient for the loan I am seeking ). XXXX XXXX started drilling me about my specific XXXX and even said he even wanted to contact XXXX, the XXXX insurance company, becauseI " could '' lose this XXXX payments ( which is highly unlikely ). XXXX XXXX insisted thatI have bank statements from XXXX XXXX XXXX -- where I have $ XXXX in savings -- stamped and signed off by a bank official. It appears that XXXX XXXX has lost or misplaced some of my supporting documentbecause he kept asking for the same documents over and over. Then, his senior VP ( branch manager ) took over my loan app and was thepoint-of-contact. I still have trouble getting answers to my questions. 
It appears to me that I am being overcharged by this lender beyond the closing costs and 1 % of loan amount that the VA allows. The lendersent me a commitment letter that contradicts other documentsXXXX.XXXX sent me to which locks in my VA loan rate of 3 % APR15-year fixed. I have complained to the realtor, who says she wo n't use George Mason Mortgage again for any of her clients. ( She hadrecommended this lender to me and is now sorry that she did so. ) I have complained to the CEO again and have kept him in the email distribution as I try to get answers and get this loan completed. I am certain that I have beendiscriminated because of my XXXX and receiving XXXX income. 
With my credit score, credit history, current income, no bad debts, etc., Ishould not be hassled and questioned so heavily -- and repeatedly -- regarding my XXXX and eligibility for this loan. If legal assistance isavailable, please let me know.
The credit report accuracy dispute process does not allow for a dispute in regards to improper handling of credit inquiries by the agency. It is my understanding that the CFPB requires agencies to consider multiple mortgage loan inquiries within a 45 day time period to be classified as only a single hard inquiry. Equifax has both of the following inquiries noted as separate hard inquiries even though both are for the same mortgage loan.  One  is from  XXXX  and the other from   XXXX   XXXX   XXXX   XXXX  . I can not dispute this directly with them as their process only addresses individually reported items, not classification errors.      EQUIFAX CREDIT IN QUIRIES  XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX /  XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from my credit report.