WillisBack/dataset-financial-user-claim huggingface dataset:
So my wife and I are in a tough spot. On XX/XX/16 last month my wife accidentally paid her {$310.00} car payment early. She made two payments at the same time. This created a snow ball effect the rest of the month that amounts to nearly {$300.00} in overdraft fees. 
On Friday XXXX my wife called Bank of America to explain what happened and that we really needed that money so this doesnt just keep spiraling month after month. They told her no. Stating the reason that they are authorized charges.
I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.
My name is XXXX XXXX I have a loan with Freedom Mortgage I have been making overpayments on my mortgage and they consistently have been applying the payments to future interest instead of principle. 
I have contact them several times over the phone, but they do not seem to be changing their process or it keeps reverting back to future interest. 

I feel that I am being defrauded and I suspect they are doing this to many other people. 

I copied my statement. Please note the " Interest Paid to Date '' is far into the future. 

Its conveniently buried in the statement.
I received a phone call from someone stating he was a process server trying to contact me due to a cuvil suit filed against me for an installment loan I had with Ace Check Cashing. I had made arrangements to finalize pymt and was never notified there was an issue with pymt. I then get internally transferred to someone named XXXX XXXX representing a XXXX XXXX XXXX XXXX claiming he was hired for this suit against me. I told him I was represented by a lawyer and he told me to give him info to contact him and I said I will have my lawyer call you. He said my debt amount was {$420.00} which is not what i owe and i let him know the amt was wrong. He said well i need to check because it could be extra fees. He said to contact Ace at corporate XXXX and follow the chain of title which will lead me back to him. His number is XXXX case XXXX.
A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ). 
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ). 
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.
On XXXX, XXXX XXXX on line opened a cd account with Capital One. On XXXX our bank transferred {$30000.00} to Capital One. Upon learning that the cd was a non-ira account and that Capital One would not or could not change the account to an ira account, XXXX closed the account on XXXX expecting the {$30000.00} to be transferred to our bank account immediately. We have not received the {$30000.00}. Talking to XXXX from Capital One on XXXX, he said some verification has to take before sending our money which they have back to us. He said to expect this my XXXX and that we might not get the money until XXXX. 

This is outrageous, the account is closed, they have our money and will not return it to us and they know where to send the funds which is the same place where it came from.. As far as I am concerned Capital One has an authorized usage of our money from XXXX until the time we get it. This is free money for them. This is my complaint. This is illegal, and if not, it should be illegal.
Overdraft Charge on Electronic Payment. 
I Did Not opt IN for ATM, debit card or electronic payment overdraft. 
So my expectation is that the bank will NOT attempt to make a payment if I do not have funds on my accounts. 

Citizens Bank is charging me {$35.00} overdraft fee on electronic payments I programmed in its electronic payment online banking. Note that the bank CANCELED the payment and will charge me an overdraft for a payment that it will NOT perform. 

The overdraft fee is called, a return fee. The explanation is that Citizens bank needs to reimburse, Citizens Service provider that tries to make the payment when there is no funds available. 

My Rationale : I understand that my OverDraft Opt out rights are being twisted. 
If the account does not have funds and Citizens Bank knows about it, Citizens should NOT perform the payment ( as actually it did NOT ) and NO Fee should be imposed. 
Citizens Bank twisted this logic, by NOT performing the payment and calling the the fee ( {$35.00} ) a return fee. 

Talking to the bank representative, the payment will be resubmitted automatically and if there are still lack of funds another fee will be imposed. 

This behavior seems to twist the opt-out rights afforded by legislation.
I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.
Stellar Rec collection for XXXX dollars shows up for a phone Bill but I left the USA 3 years ago And asked XXXX to send me the last Bill before I left I paid it and now live in XXXX Now 3 months ago I am getting Stellar rec collections for XXXX dollars I paid in full 3 years ago what XXXX asked me to pay Then please correct the error Thanks a lot
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
There are several items on my report reading " in-dispute ''. While I did ask for more information at one time I never disputed the results sent to me. This is now causing me a problem with mortgage approval
I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
My daughter and I bought an SUV from XXXX XXXX XXXX used cars. It was financed at the car lot through Credit Acceptance. Near the end of signing loan papers he said Credit Acceptance required GAP insurance to be paid for to cover damages to the vehicle if personal insurance did n't pay enough. Loan could n't be completed without accepting so I signed. It cost {$670.00} extra in financing. Recently I 've heard it 's illegal.
I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
Iam a victim of Transunions inquiry issue XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX
On XX/XX/2017 Wells Fargo lowered my credit limit from {$14000.00} to {$750.00} on account ending in XXXX. This 95 % reduction came as complete surprise to me. I suppose that unless this bank is charge 25 % on a balance that don't want to extend available credit. They passed me from one department to the other. No help. After numerous attempts to solve this with the bank, they proceeded to close my account. I can't help but think that this was discriminatory because of my previous inquiries. NO ETHICS! Shame on you Wells Fargo!
I told navient I could not afford my current repayment plan. I have not been making payments that I can not afford it they have been calling the co-borrower and myself at least XXXX times a day. Today two family members called and stated that a credit collector attempting to collect a debt was trying to reach me. His name was XXXX and he left a phone number. these family members were not listed on any of my contact forms. He called me first and was able to contact me at my number. He had no reason to call them.I sent an email to Navient asking them to send me in writing what they were saying over the phone and I would comply. I do not trust anything they say over the phone they are very deceitful in practice. they told me over the phone that if I pay one month current they will forgive my prior past due balance. If I give them my account information I do not trust they will only take the agreed upon amount out of my account. I also want proof that they will forgive the past debt.
I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.
I was at the end of my lease agreement, and I move and left the apartment in good shape.I also paid a XXXX pet deposit to them for any damage, but there was none and I did n't receive no money back.
Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.
Navient is still reporting derogatory credit information to the XXXX credit bureaus after the private student loans were defaulted for more than XXXX years.
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form XXXX as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.
My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,
I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.
On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX  XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and Equifax and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.