WillisBack/dataset-financial-user-claim huggingface dataset:
Freedom Mortgage XXXX https : XXXX XXXX started charging me fees within 60 days of loan transfer. Their customer service told me that their records show that loan got transferred on XXXX. They did not send welcome letter and did not set-up my account until end of XXXX. Late charge was charged without any notification and did not meet federal rule of 60 days. This is clear violation of consumer protection rules and these agencies trying to steal from ordinary consumers should be investigated. 

Principal {$780.00} Interest {$1300.00} Escrow {$250.00} Late Charge {$100.00} Fees {$0.00} Total Amount {$2500.00}
I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.
I am being charged monthly for interest and there are no eligible purchases that warrant the interest charges. The only eligible interest charge was paid and reversed. I have made many calls and have been told different things by different representatives. Last month, I was told if I pay over {$70.00} towards my balance ( from a non-interest bearing balance transfer ) that I would clear any charges in the past that might be charging interest. I paid {$100.00} and I am still receiving the interest charges.
I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.
J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX
I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
To Whom It May Concern : I am writing to formally request escalated assistance with my file. I do n't believe anyone thus far at SPS has properly handled my file. I became XXXX in XXXX as I was in an accident XXXX. I entrusted my brother to make my mortgage payments for me with my fixed income and he did not do that ; instead pocketed my money. If I had n't been XXXX, I would have never become behind at all. 

Seconly, I am disputing the erroneous information contained in SPS ' most recent denial letter dated XXXX/XXXX/XXXX, stating my property value is currently {$430000.00}. My property is nowhere near worth that amount and I have attached my own appraisal showing the true value of {$310000.00}, which I paid for from my own funds because I believe so highly that SPS is using an extremely inflated property valuation. I would truly appreciate it if somebody could formally re-review my package using the correct value of {$310000.00}. It should also be noted that I had sent this appraisal with my resubmission packet back in XXXX XXXX, but it seems that it was disregarded by SPS completely. I XXXX have spent money on this that I am trying to save for my mortgage if I get approved. It was hard for me to do so I would appreciate it being correctly reviewed. Please let my advocate team consisting of XXXX XXXX and/or XXXX XXXX at XXXX XXXX know if you need any further information. SPS has this information on file already, but just in case, I am again attaching my written authorization to speak with them regarding this matter. I am XXXX and it is sometimes hard for me to get out to a fax to send documents that they may already have on hand. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
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Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
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Thank you!
I submitted paperwork to remove a fraudulent XXXX card account off of my credit report. This removed the fraudulent card last year. This year I opened up a card of my very own. Soon after, the fraudulent XXXX card account was put back on my Experian file. I spoke to associates, disputed via certified mail, and online. The associate told me that XXXX sent Experian a notification that the fraudulent account was mine. I have gone back and forth with Experian for over 6 months now. Experian still has not sent me anything proving the fraudulent account is mine. The other 2 credit bureaus removed the fraudulent XXXX account once and never put it back. This account is the only negative account on my file. The file was said to be opened XX/XX/2016 and is charged off with a balance of {$890.00}. This is not my account and I request to have it removed from my Experian credit report.
I received a balance transfer offer from Discover and before I took advantage of the offer I called Discover customer service to check on how the payment apply because I had some balance on high interest rate. They assured to me that the payment apply to the high interest balance first till it paid off and then apply the payment to the lower interest. I got this confirmation twice from XXXX different persons. I called the third time to transfer the balance and to confirm how the payment is applied to the balance. Based on XXXX confirmation I transferred some balance and signed up for automatic payment draft of {$250.00} per month to pay of the high interest balance in about one year. 
I found out later that I was misinformed and lied to and the payment that I have been making for more than 2 or so years applied to the lower interest rate first and any amount above the minimum apply to the higher interest rate to keep my balance of the higher interest rate almost unpaid. I feel that I have been ripped of my hard earning money and I was treated unfairly by Discover after being a loyal customer for almost 16 years. 
I spoke with account manager over 7 weeks ago and she promised that she will file my complain with the corporate and get back to me, when I never heard back I called gain and spoke with another account manager/ supervisor her name is XXXX and she told me straight that there is nothing I could do nor there is nothing that the corporate office will change for me, then I really felt that they have been taking my money intentionally and I was misguided by Discover.
Also part of this is " Not enough information to verify debt i.e. amount of debt & name of creditor. '' I received my bi-weekly paystub in XXXX 2016 and noticed a garnishment. I contacted my payroll department and they told me they work with this law firm all the time. I reached out to the law firm named ABENDROTH and RUSSELL LAW FIRM to verify the debt. The law firm told me the debt was with XXXX. I have never had a debt with XXXX. I asked the law firm to provide me with the mailing address and original paperwork for the debt. The law firm was unable to provide this. ABENDROTH and RUSSELL LAW FIRM then stated they would send me what they had. I have attached what was disclosed by the law firm ; it still does not validate the debt as I was never with XXXX. 

The last credit card I had, besides the low balance XXXX XXXX card that I have now, was over 10 years ago. If this debt is somehow valid, why is it being garnished today? I was never served in this matter to bring up the statute of limitations. If the collection agency knows where I work then I should have been served. Also, I believe that based on the case numbers provided on the information from the law firm that this is an old debt ( not XXXX ) that I 've already been garnished for. I 'm bringing this second piece in as you will see the case numbers. I have looked the case numbers up and I will be providing the court notes on those. 

1. Whatever the case may be, I do not owe XXXX and ABENDROTH and RUSSELL LAW FIRM does not have any paperwork showing I do. 

2. I need help determining next steps as it appears I 've paid this debt twice - once by the original creditor and also by a 3rd party debt collector. You 'll see the case numbers opened a year apart. Why is this allowed to double garnish someone for the same debt and then re-open the debt in an attempt to garnish for a 3rd time? The court case shows {$0.00} owed. 

3. When this went to court, without my knowledge, why did n't the judge look up the debt to actually confirm it? If this step was taken, then the judge would have found that this debt was paid in full. I also want information on how to take this matter further as who knows how many others have been victim to this same scenario.
Set up a online money transfer with western union to be sent to an account in XXXX. Western union had my authorization to take money out of my checking account electronically which they did right away. However, the account number at the receiving bank in XXXX was incorrect due to which the bank in XXXX declined to accept the money. I received an email right back from western union on XXXX XXXX 2015 that the money would be refunded to my checking account due to the aforementioned reason. Its XXXX XXXX 2015 and the money has still not been returned to my account. My bank in the XXXX has been notified about this issue. I have called up western union 4 times. Each time there was a different response. XXXX representative even told me that the bank in XXXX is delaying the transfer. I do not understand how this is possible if the receiving bank declined to accept the money transfer. I feel it is pretty irresponsible on their part to dis regard my enquiries and also not return my money. The transaction is tracked with western union by the XXXX number XXXX.
XX/XX/18 : Mattress Firm employee offered to check and see what I would be approved for if I decided to finance when purchasing a mattress. I agreed to a credit check, and the employee took down my information ( SSN, address, DOB, income, etc ). Synchrony Bank ran check and said I was approved for {$6000.00}. I told Mattress Firm employee " Thanks, but I dont want a loan - I just wanted to check and see what I would be approved for, like you said. '' I left the store without purchasing a mattress. I never signed anything, never received any paperwork, etc. 

XX/XX/18 : A week later, I received a new credit card from Synchrony Bank. However, I never signed or agreed to receiving any credit ( and in fact, *explicitly* said I *didnt* want credit ). This was clearly deceitful practice by the Mattress Firm employee, as " checking to see '' what I would be approved for and " opening a line of credit '' are two different things. 

I called the bank immediately and cancelled the account. I explained multiple times that I did not sign up for this account and I was misled. I only agreed to checking to see what I could get approved for, not for actually getting a card. The rep on the phone submitted the request and said I would have to speak with Mattress Firm directly about the issue. 

I called Mattress Firm 's customer service, who was very polite and tried to handle the issue. However, she stated I need to speak directly to manager of the store ( Mattress Firm XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX ). 

XX/XX/18 : Mattress firm manager calls and makes me feel like a mental midget. I explained that I ( verbally ) agreed to checking to see what I could get approved for, not for actually getting a card ( and not signing anything ). The manager refuses to acknowledge that there was an issue, stating that it is " unstated common knowledge that when you give someone your information they will open a line of credit. '' The fact that it is " unstated '' means that there is obviously some issue here. We go back and forth until the manager hangs up on me. I've never felt my intellect insulted as much as on that phone call. 

Also, this apparently isnt so common : https : XXXX
I had a credit card with Capital One. They charged it off. I contacted Capital One last year to pay this debt. They would not speak to me because they had " cancelled the debt '' ( I have attached that notice ). I disputed this with the bureaus because Capital One was reporting a balance with a present day report date. The bureaus did not remove the cancelled balance from my file. I filed a CFPB complaint against the bureaus but they replied with their standard : " We sent your dispute to the creditor and they verified that the reporting was correct '' ... so effectively they will not do anything. 
The creditor has the same liability as the credit bureau in the case of accuracy of data on the file ( Sec. 623 ( a ) ( 1 ) ( A ) ). Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Capital One can not cancel this debt and still show a balance due on my credit files.
I have had a debt consolidation company issue a Cease & Desist and the Lender keeps calling my place of business.
These people call me repeatedly. They are also calling me at work. They identify themselves as One Click Cash and ask me to return the call. I do n't know who they are, and I have n't taken out a loan with them.
BLUF : I settled my Navient private student loan account through a debt collector, but they are still reporting it as past due to the credit bureaus 2 months after the settlement payments were completed. 

My defaulted private loan was charged-off in XXXX XXXX. At some point later, a debt collector named " XXXX, XXXX XXXX XXXX XXXX, XXXX '' ( herein referred to as XXXX ) assumed collection activity on said defaulted loan. On XXXX XXXX, XXXX I entered a settlement agreement with XXXX on behalf of Navient XXXX XXXX XXXX for a 6 month payment plan that would settle my account in full for the reduced amount of {$17000.00} ( agreement attached ). The final payment was made towards this settlement agreement XXXX XXXX, XXXX and I received a letter from XXXX stating that my account was satisfied in full and there was no longer a balance due ( also attached ). 

All throughout the 6 months that I was making settlement payments, Navient was updating my credit reports showing the amount that I was paying. In XXXX XXXX, the month following the last settlement payment ( when the account is now settled in full ), Navient reported my account as unpaid and still showed a balance due. The balance was not updated to reflect the settlement, which should have made my balance {$0.00}, nor was there a mention of a settlement. Screenshots of these months and current reporting are attached. 

Come XXXX XXXX, XXXX full months after the settlement agreement was fulfilled, Navient reported my account as DELINQUENT to the credit bureaus and now shows a past due balance of {$290.00} ( the payment that my original loan had back from before it defaulted in XXXX ). XXXX shows my account under the NEGATIVE section as " reported 30 days past due '' and XXXX shows this account as " failed to pay ''. I could not check XXXX. 

I tried to contact Navient directly about this issue but their automated phone system bounced me to XXXX every time. I could not trick the system to allow me to speak to one of their customer service agents. XXXX was no help with this issue either and said that it is up to Navient to correct my credit reports.
Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.
I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.
Good Afternoon, I had an account with Great Lakes for a FFEL Consolidated Loan. I defaulted on the loan due to unemployment. They were able to get my tax return refund from the IRS. I understand that they can do that. What I don't understand is they also increased my balance by over {$1000.00} with no explanation. I am employed now and I am making payments, but I didn't if what they did by increasing my balance is legal. Please advise.
Seterus shows a deficit of {$1100.00} in an escrow account. Seterus has not made any payments for Insurance an taxes, so there should not be any activity in an escrow account Over {$2000.00} has not been applied to the mortgage balance. Monies are held in " suspense '' Late fees are being charged because payments are not being applied to my loan
I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.
I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.
Access Group , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX is calling my fax number XXXX a week and sometimes several times a day via Robo call system. I finally called them they are collecting student debt. I do n't have student loans, i do n't have kids and have not guaranteed anyone. The lady that answered the phone did not even know the address of the building she worked in. After pressuring her she told me. She said she would try to take my Phone number off but did not guarantee it.
HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.