WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a {$5000.00} loan with XXXX XXXX back in XX/XX/XXXX or XX/XX/XXXX for my attendance at University XXXX XXXX. Once I started repayment on them my loan has increased to almost {$10.00}. So I accumulated double in interest. How is this possible. I went back to school and deferred my loans which was until XX/XX/XXXX. By this time navient has now taken over my student loans. I was n't advised of the change. I 've to one person in regards to my account and they say I owe {$300.00}. which I was only pay {$100.00}. They have been calling me nonstop all day. I do not want to speak to them unless someone is willing to help. No one is willing they only want there money. Why is my interest so high? Why are n't you trying to help me lower my monthly payment. why is the interest that much on a college student.
XX/XX/XXXX I did two transfer of XXXX every transfer so in total XXXX but in my coinbase account is XXXX when I call customer service support they told me that there was a delay in the SEPA transfer but XX/XX/XXXX I did a test with small among of money I transfered XXXX andi arrive one day later to my coinbase account. I am really scared because The service support told me that They do n't see the wires transfer from my side, but it is really weird because after the two transfer in my coinbase account in Method of payment appeared my bank account number and I have never put the data inside. The Ticket number that customer service gave me are XXXX. 
They can find more information about transfer documents with all the details inside. 
XX/XX/XXXX I talk with my bank and they are claiming to his bank ( XXXX XXXX XXXX ) the transfers what I did because the answer of Coinbase is that both transfers never arrived.
My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. 
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. 
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX  XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. 
- Refund my checking account balance Thank You .. 
XXXX XXXX XXXX
I have disputed the balance with Transunion and   XXXX   XXXX   several times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.
Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX
I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXXXXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX BANK XXXX, XXXX, XXXX XXXX XXXX.
Applied a payday loan from XXXX XXXX. I made most of my payments on time then fell behind because a restructuring at my current job. It was turned over to collections and I paid it immediately. The problem is that I am in desperate need of a vehicle and this is hindering my TransUnion Credit Score because it shows collections. All banks and dealerships use TransUnion Bureau. I contacted XXXX XXXX and they lady said we cant do anything about it. The balance states paid but its still on my credit report. I have disputed it with TransUnion cause it initially showed no credit history. This was inaccurate reporting and wanted it removed. They then added the credit history and left it on my credit report. However, it still remains on credit report and is unfair to me as a consumer. I have asked for the signed contract that this payday loan was to be reported to the credit bureaus with no success. Please help.
Please review complaint number XXXX XXXX and this is a 2nd complaint on Chase Manhattan Bank. No phone call responses at all from them. 
I spoke to XXXX at CFPB on XX/XX/2015 to the response that Chase gave. It is all untrue as see it. 
Chase said they gave me this promissory note the day I opened the loan. False never did. This is not given to the consumer till the loan is paid off. 
They are not reading my first complaint very carefully. Dodging the real facts. The girl they stated did not make a mistake. False, she would not give me any papers. Said the keep everything. I did not agreed to that note for, XXXX, I never seen. 
Again, they did not read the first complaint paper I wrote. Again dodging the facts. 
If Chase does n't make mistakes that needs to be looked into. 
Then I asked for a calculation on how the loan amount is figured out. 
Again, they dodged by not explaining in a breakdown, because there is an error. 
Then to explain I never put something extra in the loan to increase it. 
Again they created something for they are avoiding the fact. 
Nothing they have wrote is matching m letter or even to provided an explanation to all the paper work that I have provided CFPB. That PROMISSARY NOTE was accidently given to me by Chase bank in XXXX, N.Y. when they called corporate and corporate accidently gave it to them. No one sees this till the loan is finish. That 's when I noticed an xas annually, not fixed. They are not following anything under their supposedly guide linesby giving me XXXX different rates, XXXX different amounts, and XXXX different pay off time. Al these papers I sent from are from Chase. 
They are dodging from the real mistake they did and truth. 
Everyone makes mistakes Chase, and the are changing all the wording around. And Facts. 
I do advise that no one should open a loan with Chase who has hidden all this from a consumer. I was taking for a ride. They have n't answered anything in regards to my complaint. MMMMMMMM? 
Asked that Consumer Finance do research this deeper. by reviewing my documentsand their response more carefully. 
Regards XXXX
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I paid off a medical bill last week to XXXX XXXX ( the only debt that I know of which I owe ). This week I started getting calls from another collection agency called Ability Recovery Services LLC. XXXX located in Pennsylvania. I tried calling them back this morning twice and the call will not go through. I called a friend right after to confirm that my cellular service was working, and I can confirm that it was, so I have to assume that Ability Recovery Services LLC is not taking inbound calls and / or is a scam.
I have had a HELOC product for the past 10 years for a rental property. The loan was originated by XXXX XX/XX/XXXX. Over the course of the loan, the servicing has been performed by XXXX, XXXX and now SLS. I have paid the loan in a timely fashion for the past 10 years. I have made the payments on-time and have never missed a payment, nor had a delinquent payment over the course of the loan. The loan 's servicing was recently sold to SLS over the past 9 months. Unbeknownst to my husband and me, the loan matured XX/XX/XXXX. I was never notified of the pending maturity, nor received a pay-off statement in the mail. 
I contacted SLS XX/XX/XXXX to make my monthly payment, as I was unable to sign-in online. I was told from the servicing representative that the entire loan balance had matured. I stated to the representative that I had never received any communication from them. The servicing representative indicated that the documentation was forwarded to an address that I no longer maintained, and had not maintained for over 30 months. The previous servicing agent ( XXXX ) had the correct mailing information on file, as I previously received my bill on a monthly basis with no issue. I was told that when the servicing transferred that I should on my accord contact the servicer and provide them with a copy of my driver 's license and address. As this information was not communicated to us, how would we know? 
As I did further research, my credit report now reflects that I have been past due since XX/XX/XXXX. I am unclear as to why they are showing the XX/XX/XXXX payment as past due. As I previously indicated, I have NEVER had a past due payment on the loan for over a period of ten years. I am willing to pay the HELOC balance in full ( $ XXXX ) ; however, I would like the lender to correct the false, negative information that is being reported to the main XXXX credit bureaus. Additionally, both the lender ( XXXX ) and their vendor ( SLS ) need to ensure that correct information is maintained and properly integrated when servicing rights are transferred and/or sold. Proper due diligence regarding vendors may ensure that this process does not negatively impact the consumer. If we had been properly notified, as required, we would have had a better opportunity to make the necessary arrangements to complete the pay-off prior to maturity ; however, we never received any communication. 
I have asked the servicer for a copy of the pay-off statement, so I can forward them the funds. I am not in-receipt of the pay-off statement and am unclear where/how much funds that I need to forward. Daily I receive calls from their debt collectors demanding full payment. I ask them to check their servicing notes within the customer 's file. I have indicated than I am willing and able to pay, but I just need a pay-off statement. 
XXXX XXXX XXXX *********** XXXX XXXX XXXX ***********
I had been receiving numerous unsolicited phone calls from XXXX so on or around XX/XX/XXXX I finally returned the call to find out why they were calling me. I discovered that it was Loan Depot and their agent XXXX XXXX wanting to " assist '' me in refinancing my 6.5 % home loan with the VA. I explained that yes I was a " vet '' with a XXXX as well as an XXXX XXXX as a XXXX XXXX BUT my era was post-XXXX XXXX and that after XXXX fell there was a surplus of XXXX XXXX  's so a status of " XXXX XXXX '' was where we could opt if we ranked highly in our graduating class, which I did. XXXX assumed that I would certainly qualify for a VA loan even though I told him " Okay but I have my doubts '' Then before even see where my XXXX information left me with the VA, they sent me all the necessary documents, which I did sign and submit. They then deducted {$420.00} from my bank account for the " appraisal '' without telling me. Within the week, they then discovered that as I had suggested, I was turned down by the VA as I did not have enough XXXX XXXX to qualify for that benefit. Therefore, THEY immediately canceled the appraisal. The appraiser,  told me that when he returned to his office and was working on it, he received the e-mail to cancel it. 

Now, Loan Depot is refusing to refund my {$420.00} fee even though they jumped the gun by  charging me BEFORE verifying my eligibility for such a loan even though I told their agent XXXX I had my doubts. XXXX 's loan processor, XXXX XXXX, e-mailed me and told me that she had been told by her manager that all I had to do was call the VA to clarify the situation, which I did on XX/XX/XXXX with my case # of XXXX and spoke with a XXXX about it. XXXX confirmed that I did not qualify due to my lack of XXXX XXXX time. I informed XXXX XXXX about that phone call on XX/XX/30 at XXXX XXXX EDT. 

It was shortly thereafter that I learned, after an exchange of e-mails and phone calls, that Loan Depot had indeed canceled the appraisal because they now confirmed that I did not qualify for a VA loan. 

Now, they refuse to refund my {$420.00} even though the appraisal was never completed of submitted. I spoke with a XXXX XXXX who said the he would check into whether or not they had been charged by the appraiser and perhaps refund my {$420.00}. 

" Perhaps '' is not good enough for me. I am on a fixed income and their taking that {$420.00} without notice and without first confirming my eligibility for a VA refinance loan puts this totally on their shoulders. 

I am requesting that you intercede on my behalf and XXXX XXXX XXXX so that this does not happen to other senior citizens and veterans such as myself and force them to refund my {$420.00} fee. This is totally on Loan Depot 's mismanagement as well as their agents, not on me, XXXX XXXX. 

Thank you in advance!
XXXX XXXX has reported that the account was not paid ... the time they are charging me I have already moved out of the rental house and they are charging me as if I was living on XXXX XXXX XXXX   nc XXXX
My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.
To the office of the Cmptroller of Currency ( OCC ) I was recommended by the U.S Department of Justice Consumer Protection Branch Civil Division of XXXX. To file a complaint with ou concerning XXXX XXXX XXXX and Carringtion Mortgage. I have proof and suspicion of fraud with these companies and I feel as if I was discriminated against by them. My home have been in foreclosure for five years since XXXX to XXXX XXXX, XXXX. We were recommended by XXXX XXXX XXXX to apply for a loanmodification to help us save our home. We applied for modifications overthree years. All of a sudden we receive a letter and a phone call from Carrington Mortage saying they want us to start mailing our mortage payments to them. We responded to Carringtonsaying We never came to an agreement on a mortage payment or modification. We were lead to believe that they wre the new owners of the property but they had no information on the property so we were lead to believe they were trying to help us to save our home by asking us our information, and we began to give them our personal information, only to find out in the end they were using our information to build their case to get the home from us. We asked them for a copy of the original deeds, and they sent us drawn up papers with our signatures that we never signed. They copied our signitures from other papers. The house was up for sale because of foreclosure Carrington then purchased the home themselves. Why would you buy a home that you already own?. We continued to live in the home, because the home was stilll in our name. Carrington then told the tax office to send our tax papers to them. Still unable to prove the home is theirs. I have proof of fraudulent use of flase documentations used against me to get my home, and contradicting every thing they 've said in the end the way thta they got my home wasw throught lying to the court saying that I did not pay taxes for XXXX. I filed for tax exemption and I was tax exempt in XXXX.
I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.
I'm trying to cancel and I am being shuffled around from office to office. Can't get them to cancel. It is almost impossible to cancel DO NOT USE
I was a victim of identity theft and noticed a collection from Credit Systems Intl 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 Credit systems Intl 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
Morgan Stanley Home Loan ( MSHL ). 
On XX/XX/XXXX, we received a XXXX on the house that we live right now from MSHL in the amount of {$200000.00}. Of course this was a line of credit for that amount. We used this loan throughout the years of XX/XX/XXXX to XX/XX/2010 when this loan matured. ( It was a ten year line of credit loan. ) After XX/XX/XXXX, we continued making payment and started talking to MSHL about our options. Meanwhile we continued making our payment during those couple of years past the maturity of the loan. In XX/XX/XXXX MSHL sent us a refinancing loan package to refinance this loan. After reviewing the loan package, we realized that the loan amount is much higher than what we were expecting the loan balance to be. So we told them that we are not interested to refinance and we would like to pay off this loan. We sent them a qualified letter and requesting that they give us a complete loan history. This was in preparation to payoff this loan. MSHL as soon as receiving our certified letter they transferred the loan to XXXX XXXX XXXX XXXX. ( A collection company ). Ever since we are asking XXXX and MSHL for a complete loan history, they are not giving us the complete loan history. And we have not heard back from MSHL any more. We would like to demand MSHL to give us a complete loan history so we can pay off the correct loan amount. Secondly, if they can not give us a complete loan history, we are willing and already have fund to pay this loan. But we should not pay the interest that they are demanding us to pay for the past three years. We have gathered funds and kept it in a saving account for the past three years and collecting almost no interest, and the current collection company for MSHL, XXXX is demanding from us to pay the interest for the past three years. I believe that MSHL can not produce the complete accounting of our loan. Secondly we have learn through news and received a small check from a class action law suite against them that they have mis managed people 's fund and loan documents. So we believe we deserve to have a complete accounting of this loan before paying it. 
Also I have to emphasize that we have always kept the payment of this loan current. They refused to accept our payment, right after we requested the accounting of the loan. We have documentation to support all our statements above. We also received correspondences from this other company XXXX which is also related to MSHL company. Also I have to inform you that we did file a separate complaint against XXXX XXXX servicing company. XXXX is the company that has the note at this point. The XXXX XXXX XXXX claims that they are a debt collection company. The case number with CFPB for the XXXX is XXXX. The XXXX did respond to that complaint. They claim that they are giving us all the information that they have. Of course it does not go back to the date of origination of the loan. So not only their response to that complaint is not satisfactory but also there are some conflicting number. We are going to respond to their inadequate explanation. Meanwhile we are filing this complaint against MSHL or the XXXX company to get a full report of our funds.
I have been a victim of Identity theft and I'am trying to dispute incorrect Items on my credit report.