WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX : I contacted Hungtinton Bank and explained that I had been unemployed for a number of months and still had no employment in sight. I asked if there was something that could be done. They told me no, just pay and do not be 30 days late. I continued using my savings to pay which meant other bills were not paid. 

Finally, in XXXX of XXXX, after missing some payments I spoke with someone at the bank. Explained I had been unemployed but finally had a new job but at less that half of what I previously made. They told me I could apply for a loan modification and that this was an option that should have been offered when I was unemployed. 

XX/XX/XXXX. The modification was completed but not to my satisfaction. I asked to speak to someone in management to discuss what had occurred. I was given name and number and called over and over and over. I was called back maybe once, twice at the most but not when I was free to speak. I continued calling only to be ignored. In addition, while awaiting the loan modification, I was called by the bank and told I was delinquent. I told them I was working on a modification with them and did not understand how they could not do this. 

XX/XX/XXXX : After continuously trying to speak with management I paid nearly {$2400.00} XXXX one month late and the amount per the modification ). I still continued to call and be ignored. 

XX/XX/XXXX : Received a check from the bank representing the amount I paid them. They said I was delinquent and needed to pay in full. I have tried calling them again and still no response. I made another payment but am concerned they will never address my concerns. I can now make regular monthly payments.
XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.
My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.
My mortgage was sold to Seneca Mortgage LLC and my first payment is due on XXXX XXXX. I have no account number, no idea who to contact, or how to make my first payment.
I make the payment on the due date and I still get charged a late fee.  Synchrony  insist on charging a late fee just in case my payment does n't go through. My payments always go through and I never make a payment if I do n't have money to cover, yet Synchrony assumes my payment is not good. They remove the late fee once the payment comes through, but in the mean time it downloads into my accounting software and causes me extra work to account for this phantom fee. The amount of accounting cost me much more than  XXXX  dollars yet I ca n't charge them  XXXX  penny extra for my labor they cause.     When is our government going to rescue us from this kind of abuse? This 'selling laws to the top bidder ' has to END!     EARN THE MONEY!
Midland funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by Freedom debt relief and they have not proven that I was served for the lawsuit they brought against me concerning webank. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and Midland funding still reports on my credit bureaus. XXXX account was with webank and another with XXXX both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. Midland funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Indymac/OneWest Bank foreclosed on my house XXXX XXXX, XXXX, after over a year of filing for a modification that was turned down, yet resurrected after my first complaint to CPB. I rejected the bank 's offer to modify because it did not include any debt forgiveness, and since my late husband had refinanced the house so many times, I felt it would never gain the value of the mortgage amount. 
The mortgage was over {$900000.00} and the bank got a desktop appraisal of {$400000.00} because my late husband built the house without county permits. I was notified by an old neighbor, a broker with XXXX XXXX, that the bank sold the house for {$680000.00}. Yet the bank sent XXXX, and XXXX claiming cancellation of debt in the amount of {$500000.00}. The actual amount of debt cancellation should be {$230000.00} according the sale amount rather than a FMV amount that did not include an actual onsite appraisal of the house and property. The date on the XXXX 's is XXXX/XXXX/XXXX, the house sold on XXXX/XXXX/XXXX so perhaps the sale had not gotten into the accounting department. 
After suffering through a foreclosure, losing my home of 26 years, I find it hard to believe there would be a tax penalty which I can not afford.
I am submitting this complaint about XXXX credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX  XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
I have had a credit card account with Wells Fargo for almost XXXX years. During this time I Have never been late nor been over my limit. I pay several bills each month on or about the XXXX. I keep a log of the date I pay the bills that are not payed via auto payment. The Wells Fargo Visa card is logged with a payment of {$30.00} made on the due date of XXXX XXXX. Wells Fargo indicates that I did not make this payment. This again would be the first payment I have missed in XXXX years of doing business with Wells Fargo on this card. When I logged into my account to make my payment in XXXX, the statement reflected the missed payment and a late charge. I contacted Wells Fargo about the missed payment and they reversed the late fee. I then made a double payment on the XXXX of XXXX to cover the payment for XXXX and XXXX. When I tried to log into my account in XXXX, I no longer had on-line access to my account. I tried to contact Wells Fargo by phone and was told that I owed an additional late fee for XXXX. I tried to get them to transfer me to the on-line help desk to allow me access to my account so I could see what they were charging me for, and they would not without making a payment. I again made a double payment, but was hung up on before obtaining access to my account. There have been no new charges to this card since XXXX of 2015. My minimum payment has gone from {$27.00} a month to {$180.00} for the month of XXXX. I have made monthly payments well over the minimum payment every month since the supposed missed payment in XXXX. I have called several times and continue to get the run around from Wells Fargo. I was finally able to get them to transfer me to an on-line support representative who assisted me in accessing my on-line account. The minimum payment due is associated with fees that should not have been charged. If you look at my credit report and history you will see that this is the only financial institution that I have any type of problem with. On the contrary, I handle my monies very responsibly. This account in itself was in perfect order until the so called missed payment in XXXX. I see this as a total abuse on Wells Fargo 's part. Do I have any recourse? Please Help!
I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.
We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.
Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.
Navient has reported 90 days late to all the credit bureaus. I received a letter ssying XXXX is the service of my student loans. Navient and XXXX are reporting as being owed. These accounts were in a IRB and were paid on time yet there is still a huge balance with accumulated interest attached. This has damaged my credit score and I am unsure who to pay, how much is owed and now I am almost XXXX years old and I still can't qualify for a mortgage dur to years of these student loans being resold and they are paid, negative, clised status. These derrogatory comments, statuses and incorrect balances need to be removed.
I checked my recent Best Buy credit card statement and saw I was getting charged a debt protection charge on my bill which I do n't remember agreeing to pay. When I called bestbuy they could not even tell me what it was they forwarded me to another number to call. I called that number to find that it was meant to protect me if something unexpected happened. I do not remember agreeing to this debt protection plan, my brother who was a joint person on the account also does not account agreeing to that plan as he would have been able to catch my back if something were to happen and I could not afford payments. I later learned I have been charged this fee since XXXX/XXXX/2011 without knowing because I have paperless billing.
Pay pal and XXXX held funds without my authorization, in doing so they have caused me Financial Deformation. It is now XX/XX/2018 and my funds have been held for a week and I have to ship .XXXX XXXX XXXX XXXX to the buyer but I am unable because my funds are being held without my authorization. Spoke with XXXX representative, XXXX had see refused to release my funds after she verified, delivery of product. 

Paypal payment address is XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$75.00} Print shipping label Add tracking info Contact XXXX XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$86.00} Track Shipment Contact XXXX
I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.
I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.
I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly. 

The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers. 

Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}. 

In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.
I recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.
We would like to submit a reoccurring complaint for close complaint #  XXXX . Although we appreciate the office from MyLoanSite.com there are still  XXXX  facts that are n't addressed in their resolution offer : # 1 - Dakota Lending ( dba MyLoanSite.com ) is not a licensed financial institution in the state of NH and therefore can not legally loan money to residents of the State of NH.      # 2 -  The highest legal loan percentage that a registered financial institution can charge in the state of NH is 36 %.     Lastly, in full disclosure, I have also contacted the New Hampshire Banking Department and New Hampshire State Attorney Generals office and have filed complaints with these agencies as well. I am more than happy to remove these complaints should we move towards an acceptable closure.
We took a cashcall loan for XXXX paid back XXXX and we are now being sued for an additional XXXX, which now the attorney for Cashcall wants XXXX. We are to be in court tomorrow XXXX XXXX XXXX We planned out settling for XXXX if that 's possible making payments for 30 months.. the attorneys for cashcall are ruthless and trying to get us to sign papers for a judgement of XXXX on the XXXX settlement offer if we do n't pay.. I refused to sign it.. I 'm in California so I 'm not sure if we have any rights..
I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.
I have been with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is being serviced by Fay Servicing ; so all of my supporting documents were forwarded to Fay Servicing for their underwriters to ultimately approve getting me a mortgage modification. Over the years, their requested documents were sent multiple times as they became out dated due to the long review process. I was forced to file for suggestions of Bankruptcy to stop previous Foreclosure Sales giving Fay Servicing more time to work with my case, until the Court issued an injunction which prevented me to save the house. On XXXX/XXXX/XXXX the specialist I worked with had called to request more documents and on XXXX/XXXX/XXXX, the house was sold in a foreclosure sale. I believe the Bank was not in compliance when they sold the house while the documents were being underwritten. Please help me, CFPB.
During a phone call in early XX/XX/2018, the representative I had a lengthy conversation with, provided unclear information about how to re-enroll in income-driven repayment plans and partial loan forgiveness program. They told me that once I made 16 payments, I could qualify for forbearance and later loan forgiveness. None of it made sense then or now.
Charged off account was paid in full in on XX/XX/2016. Asked for the account to be removed from all 3 credit bureaus since there is no other debt owed.
On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.
I had {$1400.00} added to a card fraudulently before I had even received the card to activate it. It may have been intercepted. I submitted a dispute in XX/XX/XXXX before I had gone through all of the necessary steps and they denied it. I then filed a police report am working directly with my ID Theft specialist to dispute. The company is not being helpful and seem to be doing their best to avoid assisting and taking responsibility for this ID theft. A formal dispute was submitted XX/XX/XXXX, a call was placed to them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. During these calls, they acknowledged that they had received the fraud paperwork, but constantly refuse to accept the POA that I had notarized. We have spoken with reps and leads to the fraud team and were assured on XX/XX/XXXX that the issue was resolved and the charges would be reversed and that a letter would be mailed to confirm. Fast forward to today and we find that for the 7 months that they have had an official dispute that they have not opened up an investigation which is a violation of the fair credit reporting act. It is unacceptable for them to handle this case so unprofessionally. If I am not able to resolve this, I will be involving an attorney.
on  XXXX / XXXX /  XXXX   I submitted in writing a dispute to Equifax stating I disputed the  XXXX   XXXX  collections reported on my file. After not hearing back after they received the letter I again reviewed my file and all it stated was validated, this is again what I put in writing to them that the word validated does not satisfy the dispute. I want to see my signatures for the balances they are reporting. I called them on  XXXX  and was advised by "  XXXX  #  XXXX , that the dispute was validated, again I asked for the validation to be sent to me and she continues to say not her issue. I advised her that I have disputed with  XXXX   XXXX   XXXX  and they never sent me any documentation.  XXXX ,  XXXX  stated that it was n't her issue, since they " VALIDATED '' it was on my file. They have since marked my entire credit report as Disputed. This is crazy why would I dispute my entire report. I need assistance on getting this corrected since they do not seem to have any rulers or regulations when reporting incorrect information.