WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!
i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.
The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is XXXX.
Contacted this company back in XX/XX/2017 about debt of XXXX and ask the company for proof that I owed them this money the representative was very nasty to me and said I need to learn how to take care of my debt and I said I dont owe u all this money I ask for them to send me a copy of the use on the card and they sent me a copyed bill with just the amount of XXXX and not what the card was used for than three days later the company kept calling me asking me when am I going to pay the debt I said u all did not provide me with proof of XXXX used their was no trans actions for this kind of money and the ladie said thats not my problem thats your and we will find out who you work for and garnish your check
I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, Chapter XXXX Bankruptcy XXXX
In XX/XX/XXXX Capital One sent me a promotional offer on a " XXXX XXXX '' credit card I have with them. The offer was to transfer balances for a 2 % fee, and 0 % interest for 18 months. The offer is attached hereto, and states that balances can be transferred with the enclosed 2 checks, or by going online by XX/XX/XXXX. On XX/XX/XXXX, I went online and transferred two balances, both of which were well below my XXXX XXXX card limit. One of the balance transfers in the amount of {$8000.00} from XXXX was correctly processed by Capital One. I 've attached my XXXX statement where I noted the transaction in handwritten notes at the time. However, the other balance transfer I made that day in the amount of {$3000.00} from my XXXX XXXX card was not processed correctly. Instead, the balance transfer for this amount began to accrue interest. I realized this when I received my next statement and on XX/XX/XXXX, I spent 56 minutes on the phone with Capital One and the gentleman there was very kind and apologetic and ultimately promised that the remaining portion of the {$3000.00}, which at the time was {$2800.00} after a payment was applied to it, would be correctly classified on the next statement so it would n't earn interest for 18 months and that the interest charge on my current statement of {$33.00} would be credited to me. He also said I would n't be charged the 2 % transaction fee. I attach my statement with due date XX/XX/XXXX hereto which has my handwritten notes from this conversation, made immediately after the conversation. When my next statement arrived, the interest was n't credited and more interest in the amount of {$31.00} was charged. I called Capital One again on XX/XX/XXXX and explained to " XXXX '' with agent ID of XXXX in detail that the problem had n't been corrected. She was apologetic and said she would look into it and get back to me within a few days. A week went by and she had n't called back, so I called twice more around XXXX time and was told by two different people that they would get back to me. One of these people was a woman who told me that nothing was done on XX/XX/XXXX because the person I talked to did n't include in his notes that it was the fault of Capital One and when that happens nothing gets done. She assured me that someone would get back to me within 5 business days. Noone did. I received a third statement showing that the problem still had n't been corrected, and charging me more interest of {$30.00}. I called again and told the gentleman I spoke with that at this point someone had to at least call me back within two days or I was going to complaint to the CFPB. That was about 10 days ago and noone has called me. I have included the 3 Capital One statements referenced here showing the interest on each that I should n't have been charged, and showing that this problem is still ongoing and has n't been fixed.
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I am making payments twice the amount owed every month and the amount deducted decreases my loan a few dollars. I am concerned that this loan will never be payed-off.
We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.
i have tried to get peoples united bank to stop this electronic check cashing i needed a check for proof and they told me they did not have proof cause it went thru electronic i told them i write checks to cash so i have proof of that transaction they kind of said oh well is this right what can i do to stop electronic check cashing or is it made so we can not get copys of cashed checks
USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.
Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
On XXXX/XXXX/XXXX I took out a loan for {$2000.00} from Argon credit. I was shortly after that put in the hospital.I could not make the payment of {$210.00} a month. I called the company in XXXX to make some type of aggrement, I finally called the XXXX office in XXXX XXXX, they refinanced my loan with no interest for {$110.00} a month and have been making these payments since XXXX XXXX the problem is my first account with Argon was 120 days late acct # XXXX which is still on my credit report when I refinced they told me on a thier recorded line that the credit bureau would be called and thay first loan would show refinanced or they would take it off all together.My new refinanced loan acct # XXXX which I have been making payments on time never showed up on my credit report.I have been calling Argon since XXXX to correct this problem they told me they shut down the XXXX office and last month they told me when I called that a separete company did their credit reporting they got rid of them so they wo n't be reporting to the credit bureau I can not get a loan with a 120 day late on my XXXX report. there address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone # XXXX hope you can help me.
XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.
I 've reached out to the credit bureaus to dispute an account listed as "   XXXX   '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
A {$190000.00} payment was applied wrong creating thousands of dollars late fees penalties and interest. A letter was included with the payment directed the loans to be paid and a good contact name and phone number if there were questions.
My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?
XXXX XXXX XXXX closed my account due to there fee 's I do not want my credit report getting hit due to XXXX XXXX closing my account
While attempting to purchase a home, I was informed that I had an unpaid account balance at XXXX XXXX XXXX. Because I never had service with XXXX XXXX XXXX, I immediately went into the local store. While at the store, I was told that there was a balance on an old XXXX account that I no longer have and that was ultimately turned over to XXXX XXXX XXXX. In the interest of resolving the issue so that I could complete my home purchase, I immediately paid the balance. However, shortly afterwards, I learned that a collection company/XXXX of XXXX had placed a collection on my file for XXXX XXXX XXXX. In response, I informed them that the situation had been rectified and supplied a copy of my receipt. However, they will not remove this inaccurate information from my account. 
I am a XXXX and my wife an XXXX. We have worked for the public good for almost 30 years each. At a time when we are finally trying to make a home purchase using my VA loan, I 'm faced with this dilemma. I really need some help in getting this resolved so that I can return to the home buying process. I need this error removed as soon as possible. I am uploading a copy of the receipt.
Hello, On XX/XX/XXXX I took out a {$400.00} loan with XXXX XXXX. The debt was assumed by XXXX XXXX ultimately and I paid it off as of XX/XX/XXXX. I have all the documents from XXXX XXXX and XXXX XXXX to support this and have spoken with someone from XXXX XXXX today who verified this. However, I have received a call from attorneys Cordoza and Wexler who say that I still have an outstanding account with XXXX XXXX and they would like to serve me with a court order! This is absurd as I have paid off the account and have proof. The person I spoke with stated this is on my credit report. I have today downloaded all three credit reports as of today and there is NOTHING from XXXX or any outstanding creditor for that matter. I feel as though someone is trying to bilk me. I recently spoke with XXXX XXXX who assured me that I am not delinquent with them. I called XXXX XXXX   XXXX back and they told me I would need to clear this up in the courts. I have never been served and would never appear for a matter I am absolutely innocent of! I have the proof that I have taken care of this loan yet they respond aggressively and defensively. I have also asked XXXX XXXX to contact them directly. I have been informed by XXXX  XXXX they they are in no way involved with Cordoza and Wexler and have the transcript to prove it. I am attaching the e-mail from XXXX XXXX and the chat transcript with XXXX XXXX. i have all my credit reports here but for obvious reasons did not want to attach those.
After reviweing my XXXX credit score on XXXX, I found that on XX/XX/2018, a company under the name SYNCB/WALMRT, made an unauthorized inquiry on my credit report without my knowledge or consent.
On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.