WillisBack/dataset-financial-user-claim huggingface dataset:
I just refinanced my student loans and XXXX is my brand new loan servicer for my loan. I sent in a check to make an extra payment on XX/XX/18. I wrote in the memo area the " note id '' number from my statement. I wrote " ID : XXXX '' because I figured there are lots of different numbers on the statement, and I wanted to be clear that was the note id number so it would get processed correctly. 

On Tuesday XX/XX/18, I saw that my check for {$1200.00} had cleared the bank but it was not applied to my student loan balance. On Friday XX/XX/18, my student loan balance still hadn't gone down. I called and spoke to a customer service rep who said payments are processed at XXXX XXXX  and it takes two business days to post to the account. We did the math, Tuesday, Wednesday, XXXXXXXX XXXX, Friday, and the customer service person said it should be posted by XXXX XXXX Friday. 

Today is Tuesday XX/XX/18 and my student loan balance still hasn't changed. I called XXXX and two phone calls and lots of back and forth they were able to figure out that they had misapplied my payment to the wrong account. They said it was because I had put the note id number on my check instead of the account number. I pointed out I was not given any specific instructions about what to put on the check, so I used the number I had from my statement which was the note id number. And I labeled it " ID '' to be clear that it was the note id number. 

The customer service supervisor I spoke with said that my payment was applied to an account number that is the same as my note id number. He said this error happens sometimes. I am concerned that their payment processing system is insufficient because it is designed in a way that leads to errors. 

First of all, they should be able to process a payment that is flagged using any one of the numbers they assign to customers, which from a customer 's perspective are pretty much indistinguishable from one another. Second, since they use multiple different numbers, they should distinguish these numbers from one another in a way that prevents this type of error. For instance, if the account number is separated by dashes and ends in two zeros, whereas the note id number starts with the first letter of the last name, or whatever. Their system should be capable of identifying the numbers they create and design and apply payments correctly to the correct accounts. 

I'm concerned they are not handling payments professionally and responsibly. Their payment processing system has design flaws that inevitably result in errors. It is designed to fail. 

Furthermore, I was dissatisfied that I had to call back several times and do unnecessary follow up to try to track down my payment. The problem was not resolved quickly or efficiently.
XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.
XX/XX/2018 To Whom It May Concern : Good afternoon! We have an existing loan with Bank of the West. The loan is for an RV. We are having problems with the RV and the factory agreed to exchange it to a new one. The dealership sent in the paperworks on XX/XX/2018. The bank lost the paperworks and was re-submitted on XX/XX/2018. 

The banks deadline for this Exchange of Collateral is on XX/XX/2018. As of today, it is still not done. We have been calling twice a week for an update. Everytime we call, the bank would say its not completed and would send an email to the Collateral Department to expedite. Bank of the West said they received all the paperworks from the dealership Banning RV and the factory XXXX XXXX. 

Please help us to resolve this issue. Thank you very much. 

Sincerely, XXXX and XXXX
Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.
I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all.
Dates are on or about XXXX '09, the amount is roughly {$4100.00} and is way past the 7 year time limit.
Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt XXXX.
On XX/XX/XXXX I received an email from Wells Fargo indicating that my contact information had been updated on my account. I contacted Wells Fargo and informed them that I had not made the update. Wells Fargo closed my account and proceeded to mail new credit cards to me. I logged into my online account, I created a new username and a new 32 character password. I then changed the erroneous information back to the correct information. 

On XX/XX/XXXX I receive another email from Wells Fargo indicating that my contact information had been updated. Again, I contacted Wells Fargo about this unauthorized change. The customer service department transferred me to the online department, the online department transferred me to the fraud department, the fraud department transferred me to the phone bank department, the phone bank department transferred me to an escalation department which turned out to be a customer service rep for checking and savings and could not do anything for me except transfer me back to customer service for credit cards. The phone call on XX/XX/XXXX lasted 51 minutes as I had to explain the whole issue to each new person I was transferred to. 

I would like Wells Fargo to explain to me who/why is my account being updated without authorization. Is it truly a hack of my 15 character username/32 character password just 48 hours after they were created where the only change made to my account is a phone number? Or is it a change being made by a Wells Fargo employee/system, and why is it being made?
We applied for a mortgage through XXXX XXXX. Chase is issuing the loan. 
Chase refuses to discuss this issue over the phone so we can resolve the issue. 

Based on the actions to date, I believe Chase is taking actions based on my race and/or gender in violation of the Fair Housing Act. XXXX XXXX is a minority, woman-owned XXXX XXXX in the State of California. As stated on my profit and loss statement and balance sheet, the business provides XXXX XXXX XXXX. Chase continues to tie the financial viability of the business to approval of the loan, even though we have demonstrated that there are sufficient personal assets to meet the requirements of the loan and the assets of the business were not used as a basis of the loan.
Chase is holding our mortgage application to a higher and/or different standard due to my race and/or gender.
Chase is effectively denying this loan by drawing out their quality review process far beyond the close of escrow date and their stated quality review timeline of 72 hours. 

A detailed explanation of the situation, buyer 's situation, and requests for actions are in the attachment.
Just found out tonight that I have a social security variation on my XXXX  credit file. I called XXXX  and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called XXXX XXXX XXXX. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number XXXX XXXX XXXX is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for XXXX XXXX XXXX to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number XXXX XXXX XXXX is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
My repayment of my student loan started on XX/XX/XXXX, and my loan has changed between three lenders ( according to my knowledge ) .XXXX to XXXX to Navient to XXXX then back to Navient XXXX When my loans switched lenders, the amount went up and since then i have been trying to request my full report of payments and balances. I have not been able to get the information i have requested for several years. It looks like they back charged me interest, even though i have been continually repaying on my loans since XX/XX/XXXX. After doing my own research on my account with Federal Student Aid : I found that I borrowed a total of {$51000.00} ( combination of one subsidized and one unsubsidized ) from XX/XX/XXXX to XX/XX/XXXX. My loans were consolidated on XX/XX/XXXX with the total being {$55000.00} and then consolidated again on XX/XX/XXXX with the total being {$53000.00}. According to Federal Student Aid I have paid a total of {$13000.00} from XX/XX/XXXX to date, but there is no record anywhere of my payments made from XX/XX/XXXX to XX/XX/XXXX. I have made 79 monthly payments since XX/XX/XXXX and by current balance as of today ( XX/XX/XXXX ) is {$50000.00}. I take full responsibility of repaying my loan, and i have been willingly trying to pay of my debt since XX/XX/XXXX. I am not trying to find any kind of forgiveness of my loan, but i believe that i have been cheated by XXXX and Navient.
We filed a Chapter XXXX bankruptcy that was discharged XXXX 2012 which did not include our home mortgage through Wells Fargo. This was included on the petition filed with the courts, however Wells Fargo did not respond to the request to reaffirm the loan. We continued to live in the house and make on time payments and even refinanced the home through Wells Fargo to take advantage of the HAMP program. However, Wells Fargo continues to report that the loan was included in our bankruptcy and show no payment records to all XXXX credit reporting agencies. We have contested this information several times only to be told the investigations were closed and that the information was reported correctly. I would like this corrected as this has been and continue to affect our credit file and is impacting our ability to gain a new mortgage.
Trans Union concluded an investigation, # XXXX, wherein I disputed the propriety of reporting/listing ( XXXX ) Chapter XXXX Bankruptcy ( s ), to wit : Docket # XXXX ... and Docket # XXXX ... Both of the Petitions were Dismissed and there was no Discharge of Individual Debt in either case. On investigating my dispute, Trans Union Deleted Docket # XXXX ... quoting line 1 of the entry : CHAPTER XXXX BANKRUPTCY DISMISSED DOCKET # XXXX ... DELETED. HOWEVER, Docket # XXXX ... Trans Union Verified as Accurate ... quoting line 1 of the entry : CHAPTER XXXX BANKRUPTCY FILING DOCKET # XXXX ... VERIFIED AS ACCURATE. On Docket # XXXX ..., Trans Union inserted the word ( " Filing '' ) when they were obligated to notice this Bankruptcy had been Dismissed as well thereby compelling Trans Union to Delete Docket # XXXX ... as well. A strict review of the case and the Final Order clearly indicates the case was administratively closed.. .it was Dismissed... there was no Discharge awarded. Therefore there is no " Responsibility : Individual Debt '' as improperly annotated by Trans Union on their investigative results.. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is ignoring strict proof ( Final Order originated by the Federal Bankruptcy Court. ) Trans Union has been provided this strict proof a number of times but remains stalwart in their defiance of the FCRA and 15 U.S.C. The Final Order states, " The Trustee is discharged from his office and the Clerk of this Court is authorized to close this case. '' Prior to the Final Order, instant consumer filed a Motion to Voluntarily Dismiss the Petition Docketed # 107011 ... Pursuant to the consumer 's Motion to Dismiss, there was no Discharge of Individual Debt. Further, " Debtor [ instant consumer ] filed a Motion to Extend Administrative Closure of Chapter XXXX, requesting that the Court hold in abeyance the administrative closure of this case on the ground that the Debtor has not exhausted the statutory time limit to pursue a legal malpractice claim against his former counsel, XXXX XXXX XXXX, XXXX, XXXX. '' XXXX had filed an erroneous and incomplete petition without authority and as a result, the Federal Bankruptcy Trustee abandoned all claims to over {$30.00} million dollars in listed assets as a result of malpractice claims against XXXX XXXX XXXX XXXX, XXXX. Not only was the case in re : Docket # XXXX ... an unauthorized filing, it was later Dismissed and Administratively Closed by the Federal Bankruptcy Court.
As a result, the entry should be removed from my Trans Union Report.
I had a credit report pulled and a collection appeared for {$1.00} with State Collection Service in favor of XXXX XXXX XXXX. I have not received any other notices or communication in any form from State Collection or XXXX XXXX concerning an outstanding balance of {$1.00} for debt owed and have paid all known medical billings to XXXX XXXX XXXX.
After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.
RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.
on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.
I object to the amount owed to the Department of Education. My original loan amount was {$53000.00}. {$17000.00} of that amount was forgiven through the XXXX XXXX XXXX Loan Forgiveness Program. I  should owe around {$36000.00}, yet the DoE wants to garnish {$110000.00} from my paychecks? Why is that amount triple the loan principal? That is an absurd amount of money. I am a XXXX not a brain surgeon, so why charge me medical school loan amounts? 

I appealed the wage garnishment decision and was rejected even though the Department of Education neglected to consider the $ XXXX in medical fees I owe due to XXXX XXXX. 

If the loan principal amount was accurate then I could make those payments, but Im not sure any  XXXX XXXX XXXX  in America can pay back {$110000.00}. I want to pay back my loan. That amount should be around {$36000.00}. Please fix this instead of trying to gouge me like a Payday Loan shark. Every day I go to work XXXX  and trying to make America better. Please dont garnish my wages for a fictitious amount of money that was boosted due to insane collection fees. I can barely pay my rent and other bills, including medical bills that resulted from XXXX. I was diagnosed with XXXX in XX/XX/2017 and have been recovering since then. Why wasnt I given the option to defer my student loan payments? I would like that courtesy now, and for the loan amount to accurately reflect what I initially borrowed to become a XXXX. Thank you.
Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.
Hello My name is XXXX, Back on XXXX XXXX, 2014, I closed a credit card account with XXXX XXXX Bank. Before closing my account I made sure I paid off my balance of only XXXX $ which was the amount I was credited for. After closing my account, I know see that 2 years later I have a debt of {$600.00} that is sent to collections. When I call the credit card company, there 's not XXXX person from the company who willing to help or speak proper XXXX. I 've called multiple time through the span of 2 weeks, and I would like to know why I have a balance of {$600.00} that I will not pay unless I get some explanations. I have proof of my payments.
CONVERGENT OUTSOURCING , INC must have bought out another company with intention to add an account that was closed and removed off my XXXX credit report for fraudulent reasons in 2013. Then updated the information and put it on my XXXX credit report this year. This is not the first time it happen. It keeps popping up and removed ever time I file a complaint.
Continuing to call, despite being asked to put a note in their file to not call until issue is resolved. Talked to another woman today, I was asking legitimate questions in a calm manner, she was extremely rude and disrespectful towards me.