WillisBack/dataset-financial-user-claim huggingface dataset:
this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.
Over the last decade I have been attempting to make a plan with Navient to repay my student loan. The loan was given to me then during a period of time my ex-husband was laid off so it was in deferment, then I was divorced and it was in deferment. I called multiple times over the years to inquire about repayment plan options in order to set up paying it off and getting rid of it. Instead it has continued to accrue interest and is now at at almost unmanageable loan amount. I initiated a income based repayment plan and I will be applying to the public loan forgiveness program ; yet if there are any other options for me to rid the Navient loan or switch it to another service I would like to. I am struggling to get the information I need from Navient, plus I received poor information previously to " just keep it in deferment '' without knowing the interest was gaining the whole time. I was informed that during hardship and while I was in school interest would not acquire. In reality it has gain interest cost this entire time. 
I am not sure if anything can be done about this, but wanted to at least bring it to light. Please advise or assist if there is anything that can be done.
Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.
XXXX is reporting a Car loan reporting a balance /charge off from carhop..effecting my credit in a negative and derogatory manner ... Incorrect information.When I called " Corporate office " in 2 different states, Which happens to be a fraudulent site!. I'm unable to have it removed, even as last contact on XX/XX/2018 on a recorded line XXXX said " Debt Satisfied ''. I asked for an E-mail stating that and was refused my request so I could remove info from my credit report to avoid fees in a move now requiring a deposit.
My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )
I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.
I was a victim of identity theft and noticed a collection from AMCOL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMCOL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.
Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

XXXX changed their website after the Equifax crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
I currently have a second mortgage serviced by Shellpoint Mortgage Servicing. I began calling them on XXXX XXXX/XXXX/2016 regarding the XXXX/XXXX/2016 maturing or the loan. Since then I have talked to XXXX different individual on XXXX different occasions. They stated the only options were to pay the {$59000.00} balance or refinance. I informed them, I do not have the funds to pay off and wanted to refinance. They stated someone will call me back within 24 to 48 hrs. This call back was not returned and I had to call them multiple times with the same promise. After promising a call back 3 times, someone finally called me and state that they do not do refinances any longer. They dodged me for over a month and now tell me my only option it to pay in full. My first and second mortgage are greater than the value of my property which does not allow me to refinance with someone else. The only way to payoff is to take funds out of my XXXX which will be devastating with me being XXXX. Why do they state on the invoice they send me that if you can not pay at maturity to call them for options if there is only two options - payoff or default. This organization is at the least understaffed and undertrained to support their customers since they can not return calls or answer your questions when you call. At the most is deceptive in delaying answering thus placing the customer in a position that they can charge late fees and legal fees when a customer can not pay off the loan. Additionally, when you ask to speak to a supervisor, no one is available. It is impossible to speak to anyone above the first level customer service agent. It is amazing that the mortgage holder is unwilling to modify the maturity date to eliminate the potential of a default but it appears the servicer is more concerned it cost containment and doing the minimum service required than to reduce losses for the mortgage holder and service the customer. I have my home for sale but the market is not very good.
Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where GM Financial admits having issues with their payment system when they updgraded in XX/XX/XXXX. 

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior.
Please refer to Case number -  XXXX , attached Cover Letter to CFPB dated  XXXX   XXXX ,  2017 and  Exhibits A  - D  XXXX  Also, the funds that were obtained from EverBank  &amp;   XXXX  through the National Mortgage Fraud Settlement and the Multiple Consent Orders and then distributed to my state 's ( Georgia ) Attorney General (  XXXX   XXXX  at the time ) were never re-distributed pursuant to the settlement and consent orders as required. To the best of my knowledge, the funds were converted ( misused ) by my state apparently for roads work. All I know, is that I never rec 'd any of the funds. Had I rec 'd the funds as required, then I would have been able to get my loan current and avoid foreclosure. I also applied for funds/relief through Hamp/Mfa and through the  Hardist Hit Fund . EverBank  &amp;   XXXX  violated &amp; failed to comply with multiple metrics as defined by  XXXX   XXXX , the mortgage fraud settlement monitor.
I have been trying since XX/XX/XXXX to obtain a loan modification. We were denied the first time ; however, my income further declined in XX/XX/XXXXso i submitted a new request XX/XX/XXXX and finally have rec 'd notice We have had to borrow money to make the mortgage payments in the shortfall months where no rents come in - we can not be delinquent, as that will impact our ability to get student loans for our children in/going to college. the only option they give us is a short sale which tax consequences are going to cost us upwards {$75000.00} - {$100000.00} I do not understand how there was a period of time where many folks just stopped paying their mortgage and could wash their hands of all the debt deficiency but we have tried desperately to be good stewards. The only thing that seems to be acceptable is to stop paying the mortgage so we can meet the " delinquency requirement '' what is it??
I have XXXX loans handled by Navient. When I submitted an income driven repayment application in XX/XX/XXXX, they acknowledged that they had received it. ( XXXX, which has another loan of mine, acknowledged it, too, and I had not issues with them. ) However, they continued to bill me for a huge amount of money saying that the paperwork was being " processed. '' Eventually, I was required to submit additional information that I had already submitted with a subsequent delay until a time came when I just stayed on the phone with them for over an hour making them figure it out. They apologized and said that I owed them nothing. However, they apparently were accruing late fees that they did n't tell me about and now are saying that I Have to pay more than {$300.00} in late fees, some of which they claim were on my account from XX/XX/XXXX when I was in XXXX school full time and had a deferral. They will not help me on the phone other than to say they will " review '' it. They are charging me more than double what XXXX is on my current income driven payment plan, even though my loan amount is half at Navient. I feel like they are purposefully engaging in unethical activity in order to try to get more money out of me than is fair. I am perfectly willing to pay the money I owe and do n't even care that my monthly payment is higher at Navient than at XXXX. What I care about is that they are unfairly penalizing me for issues that are their fault not mine. They have been uniformly difficult to deal with and have had " hidden costs '' that feel like they are trying to trick me into paying more than I should.
My name is XXXX XXXX i attended XXXX XX/XX/XXXX while they were owned by XXXX. my question to you, is why do n't all students who attended the schools when corinthian owned it get relief of the private and federal loans from this lawsuit the cfpb has with them? i have been paying XXXX dollars a month and not getting anywhere with this loan that i was forced into having. my principal amount was XXXX with a 8.75 % interest and i have been paying for roughly 6 years and i now owe XXXX i feel like i need to be helped out by this lawsuit. i feel as if the school has done exactly what the article and lawsuit say, by the fact i have n't heard a word for job placement like they said they would, i do n't make the salary they said i would, i also do n't even work in the automotive field because quite frankly the pay is n't enough to take care of the loan payment and have a life. my loan servicer is Navient formerly known as XXXX XXXX and i have contacted them about this and i have been told i do n't qualify because because i attended XXXX XX/XX/XXXX, and students from XX/XX/XXXX to XX/XX/XXXX are the only students that qualify. i feel thats discrimination because i do fall under the same issues your lawsuit was based upon. and the school was owned by corinthian colleges during that time i attended. i feel that my student loan is predatory because its not getting any lower with every payment.
End of Lease issue. Nissan, see attached, wants me to pay another month beyond my lease end. Also wants me to pay for other fees I do not understand. When I tried to work with my dealer to turn in my car, they mishandled working with me to get a new car. So I bought XXXX elsewhere. In the meantime I called and scheduled the inspection company to come and inspect my car. The inspection company estimated my excessive wear and tear at about {$210.00}. I then drove my car to the dealer and dropped it off. This process took about three weeks and I spoke to Nissan three times about how long the process is taking to get the car disposed of. I kept them in the loop. The XXXX call I made to Nissan was with with an abusive representative and demanded I pay another month for keeping the car. I told him I do n't want the car and had trouble working with the dealer. I hung up on him. In the meantime I bought another car and had the old Nissan at my house while waiting for the inspection company. I paid for car insurance on the Nissan while in my driveway with my new car. After a month or so I received an invoice for over {$1000.00}. Remaining rents due plus excessive mileage plus disposition fees. I paid the excessive fee of {$200.00}. I did not pay the remaining rents due and I asked them for a copy of my contract that said I also owe a {$390.00} disposition fee. I do not remember the dealer talking about this when I took out the lease. They sent me another bill showing the payment of {$200.00} and then I received a collection saying my account has been placed for collection. I guess they are not going to send me anything related to my request for information on the disposition fee and they ignored my plight regarding working with the dealer to get the car turned in. 
Please help. XXXX XXXX
I had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. 

XXXX, ny np group
Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX
Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.
There are two accounts reporting on my Equifax and XXXX   credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots
XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX
My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it. Transuion even has it listed as a terminated account.
XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.