WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card through Citizens Bank with a payment due date of th the XXXX of each month. Since XXXX 2015, I submitted my payment at the a branch location on or before the due date. However, the bank assessed a late fee for the following months : XXXX, XXXX, XXXX, and XXXX, on the actual due date. A day or two later, the late fee was taken off my account, but XXXX wonders if the bank is collecting any type of interest for the day or XXXX that it assessed the fee. 
Furthermore, the payment is clearly due " on or before XXXX. 
on the XXXX, '' which begs the question as to why the bank is assessing a late fee on the due date? I feel that the bank is assessing late fees on accounts that are not actually late and is benefitting by having the day or XXXX to accrue interest or other monetary gains on accounts that are are not truly late or in arrears.
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. 

I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!
Prior to our involvement on this file, the borrowers sought a loan modification XX/XX/XXXX. The modification trial planned payments were unaffordable and the modification was denied. After nearly two years of mediation with no success, the borrowers came to us to facilitate a successful short sale. Since we have begun working on this file XX/XX/XXXX, Ocwen has scheduled XXXX foreclosure sale dates and cancelled each of them. The offer was sent in XXXX/XXXX/XXXX and Ocwen confirmed receipt. Following this confirmation, Ocwen then denied having the package on file XX/XX/XXXX insisting that we were wrong. We resent the package again on XXXX/XXXX/XXXX. We were told multiple times XX/XX/XXXX and XX/XX/XXXX that the file was still in loan modification and they were working on getting it denied. 

On XXXX/XXXX/XXXX, we were told that the documents were under review for short sale by XXXX XXXX. Three days later on, XXXX/XXXX/XXXX, we were told that the file was not in Short Sale Review and was instead still in Loan Modification review. The representative at Ocwen told us to have the co-borrower sign a Quit Claim Deed for the property and that they would continue the modification review without her information. The recorded Quit Claim Deed was sent into Ocwen on XXXX/XXXX/XXXX. 

The file was escalated on XXXX/XXXX/XXXX and was with the underwriting team with no new documents requested at that time. The third foreclosure sale date was put on hold and Ocwen was processing the file without the co-borrower 's financials the following day, XXXX/XXXX/XXXX. 

However, on XXXX/XXXX/XXXX, Ocwen demanded the financials again and let us know that the file was in review for Loan Modification - again. The Request for Mortgage Assistance was sent in several times, each time requesting short sale and acknowledging the vacant status of the home. 

While we respect the policy of the FHA reviewing for loan modification, we see no point in continuing the process for several more months when the seller has attested to its vacant status. The vacant status has also been verified via the BPO report. 

The submission of retention denial letters, a removal of a borrower from the title, and the vacancy status of the home should all warrant automatic denial of the loan modification.
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
I get calls from Navient aka XXXX. Today XXXX/XXXX/2015 I have recieved XXXX calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to XXXX is there anything I can do
I have been getting repeated calls from callers saying they are with XXXX XXXX for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from XXXX XXXX. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my Great Lakes account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent XXXX a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
I am receiving up to 10 calls a day, during all times of the day, from Focus Receivables Management. They do not identify me by name, nor do they name the debt I " owe ''. We recently declared Chapter XXXX bankruptcy, and 100 % of our debts were discharged. We still have a mortgage, but no other debt. We are current with our mortgage and have never made a late payment. Focus Receivables Management calls and claims I have this debt, when I have a copy of my husband 's and my credit report in front of me, showing all debts discharged. 

I do not want them calling me any more. I find the calls XXXX.
I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!
I have contacted Experian on several occasions throughout the past two years to clear up incorrect information that is showing on my credit report. The dates are as follows XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted them via certified letter and via phone with no help on either end. I have asked them to validate the debt that is appearing on my report, because it shows as fraudulent information. They have yet to send anything in writing as to how they are finding information to be accurate and true on my credit report. The only response I have gotten is that they will not re investigate this matter, which is very unacceptable.
I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. 
This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter.
Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.
On XX/XX/2018 a hard inquiry was posted on my credit report for XXXX XXXX XXXX XXXX XXXX. This is not a request that I initiated.
On my XXXX XXXX credit card were additional charges outside of the one I had made to fly to XXXX. A few months after arriving in XXXX, I had noticed these additional charges and disputed them first with XXXX XXXX, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would XXXX days until a dispute decision was made. 

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of XXXX on my statement. 

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be XXXX/XXXX/2015. Now it is XXXX/XXXX/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement. 

Every month, I am being charged interest on the total amount I owe plus the XXXX. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the XXXX to the balance of my account. 

A complaint is also being filed with the Attorney General and the Federal Trade Commission. 

I have copies of all of the chat transcripts and documents sent and received. 
Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.
On XXXX XXXX, 2017, I took a loan from Bridgecrest Acceptance Corp for a initial loan amount of XXXX for 65 months at 23.835 % with monthly payments of {$460.00} due on the XXXX of each month. The loan is simple interest. I have made two payments on X/X/2017 and X/X/2017, though the no portion of the payments are being applied to the principal. My account account with Bridgecrest still reports the original balance owed as well as my credit report though reports two payments made, but also reports the original balance of XXXX after two payments and based on simple interest amortization with payments being made before the due date, the balance should be reduce by at least {$200.00} but it not reduced and lender states that I owe the full amount with explanation or responding for further inquiries.
Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.
On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.
My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. 

My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. 

The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. 

Sincerely, XXXX XXXX
There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to. <P/>That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL. <P/>They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing. <P/>The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.
My student loans were transferred to Nelnet on XX/XX/XXXX.

My monthly payments immediately increased by {$300.00} even though I was still in an IBR repayment plan ( re-certification was due at the end of  XX/XX/XXXX ). Nelnet instructed me to submit a request to have my IBR plan recalculated immediately, because the IBR plan with my prior servicer was supposedly not available with Nelnet. Nelnet informed me that the review process could take 3-4 weeks. 

On XX/XX/XXXX, I submitted a complete package to XXXX XXXX and Nelnet. 

On XX/XX/XXXX, XXXX XXXX approved the request without requesting any additional information. 

On XX/XX/XXXX, Nelnet informed me that my application can not be processed because the " because the signature on the application was not a valid electronic signature. '' This statement is patently false because Nelnet accepts electronic application submitted through StudentLoans.gov, which would be electronically signed. Moreover, the IDR plan request does not prohibit electronic signatures or require a wet ink signature. 

Nelnet is deliberately delaying the re-certification process to cause borrowers to make a higher monthly payment and to generate fees via forbearance.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, Equifax, XXXX ) XXXX Account # XXXX ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, ( XXXX, Equifax ) ( XXXX, XXXX ) XXXX XXXX Co Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX Account # XXXX