WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.
I filed a dispute with XXXX XXXX and XXXX XXXX/2017, not one of the companies I filed a dispute with responded with validation within the 30 day time frame. Instead they respondent with an acknowledgement that the received the dispute. When i contacted XXXX I was told that the companies just have to acknowledge your dispute and in-which is all they needed to do in order to keep the debt on my credit.  That is not an investigation. Validation with an address and social security number can be obtained by anyone that can request your credit report. Copies of copies are not a form of Validation, and by Law are not considered proof. I was later (after 30 days) presented with unsigned contract and an itemized statement as of evidence of validation from XXXX XXXX and I received only an acknowledge of correspondence of my dispute from XXXX XXXX. I later received a copy of a copied contract from XXXX XXXX that nowhere indicated I had a contract with XXXX XXXX but another company and with an unidentified signature of another person. The process from these companies that are able to keep non- validated information on your account is breaking the law, and the credit bureaus are not investigating anything and are ignoring my request for the information that was provided from the reporting agencies to be provided to me. By law I can request the information from the credit bureaus to see what is provided to them from these companies to keep this debt on my credit, and I did this with an affidavit, that must be honored by law. Again, if you are going to keep items on my credit that has damaged my life and continue to damage my life, I need to see the proof of this debt because these reporting agencies are not providing validating information and some NEVER even responded at all to me (the consumer). I sent the proof of me sending affidavits to every company on my credit report and I also sent XXXX XXXX an affidavit as well, and still no response from my affidavit request. Summary: These companies/reporting agencies failed to provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on as required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following:Original Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents (including any and all application and usage/activity signatures) and documents relating to any assignment of such account to and/or from any third parties.Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report..
I bought my home on XXXX XXXX 2017. At the time of purchase, I did not have the money to make the 20 % down payment as my accounts were frozen because of divorce. In just a little over a months time ( XXXX XXXX 2017 ), my accounts were unfrozen and hence, was able to make an additional payment that brought down my LTV to less than 80 %. 

I have sent multiple requests to My Loan Care ( my mortgage company ) and every time they deny my request. At first, they wanted to get the appraisal done ( note the request to cancel PMI was made one month after the actual purchase of home ). The appraisal was already done when the house was purchased a month ago. Value of the house is not expected to change drastically in 1 month yet, I let them get the appraisal done. After the appraisal was done, I was told on the phone that the loan was not seasoned for 6 months so, PMI can not be canceled. Their website does not share any such information. All the website says is the request to cancel PMI can be made if you have a good payment history and the LTV has : Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ) ..
Actually reaches 80 % of the original value of the property. This information is available at the link below : https : //www.myloancare.com/XXXX XXXX XXXX I have tried resolving this matter by talking to them on the phone multiple times and have not received any co-operation or assistance in this matter
Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.
Late fees assessed erroneously. Full payment ( actually more than ) every 28 days ( 2 biweekly payments ) has been made consistently, yet I still am assessed fees. Late fees assessed due to changing window of when payments would be accepted. Late payments are assessed as a result of not removing previously discussed erroneous fees that were agreed to be removed through multiple phone discussions. 

This is a repeating issue. The issue requires constant babysitting of invoices from Wells Fargo and requiring a multitude of calls per year.
In my Complaint # XXXX that was filed with CFPB against Hunter Warfield, the company responded by sending a copy of a rental contract and final statement. Neither of these have my last name only my first. This is not a validation of debt owed. My name is very common.
This rental contract is XXXX XXXX not Hunter Warfield.
Hunter Warfield does NOT a business license in the State of Alabama to conduct any business or to collect any debts. I request that this debt be removed from all 3 of my credit reports.
My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?
Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing at all.
I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/2015
Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX
XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.
We were mailed a collection notice from a company called " I.C.Q. Search and Recovery '' for a lab bill that was paid by check to " XXXX XXXX '' over a year ago. When I attempted to call the number on the letter, it goes straight to voicemail with no way to get to a live person. When I searched the internet, there are tons of complaints about this same company and this being a scam. I have a copy of the notice/letter and a copy of the check ( proof of payment ) that was cashed and posted to my account back in XXXX 2016. I have mailed a copy of the check to this so called company but am very concerned that they are scamming people and trying to collect on old invoices that have already been paid. Thank you for you help!
On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.
1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 
2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 
3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 
4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 
5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 
6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 
7. REFUSING to apply my payment to the mortgage is not advice. 
8. Telling me it can only be applied to the principal is not advice. 
9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 
10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. 
I ca n't do that. 
11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 
12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 
13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.
In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, XXXX  has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. XXXX must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both XXXX  and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.
A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.
Per Santander they agreed after researching that they failed to send out the correct information for a deferment and end the paperwork out to correct email. The manager stated at the time that he would remove it from the credit and when I received the call back from the company they stated that was never agreed on and when requesting to hear the call they stated that I would need my attorney to request the call. They will lie and break FDCPA and FTC laws to get what they want for payments!!! Illegal acts.. I will be filling an complaint with my local attorney general to make sure this is resolved if you had nothing to hide then you could have played that call for me but you know that manager stated that he would remove it from my credit!