WillisBack/dataset-financial-user-claim huggingface dataset:
I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my loans.
XXXX XXXX and Trans Union. In a previous CFPB complaint against XXXX XXXX in regards to 30 days late was resolved by XXXX XXXX ( complaint number XXXX ). They agreed to amend the credit and submitted the request to the three major bureaus. Additionally XXXX XXXX sent me a letter indicating the same. XXXX & XXXX removed the 30 Day XXXX XXXX derog almost immediatly ... TransUnion is still showing 30 day late ... In fact they even show it as a duplicate. This is wreaking havoc on my personal credit for anything tied to Trans Union. I have credit monitoring and the TU score is nearly 50 point less as a result. My car insurance was affected now as a result.
Please see attached documents for background information before proceeding. Blue - me, red - landlord, green - police. 

There were 3 separate wire transfers of {$970.00} ( with a {$25.00} wire transfer fee for each ) on XX/XX/2015, and XX/XX/XXXX. Among suspicions of being scammed, I called the J.P. Morgan Chase wire department to help recall the wire transfers on XX/XX/XXXX. I followed up on XX/XX/XXXX to see the progress of the recall. However, I was told that Chase would not be able to send a letter of indemnity to my landlord 's bank, XXXX XXXX, because I was the one who initiated the transfer and this was not under Chase 's definition of fraud. I filed a report with my local police department and have forms indicating that I am a victim of fraud. Today, XX/XX/XXXX, I went to my local Chase branch to see if they can do anything to help me get my money back. The banker told me that they couldn't help me for the same reason - I was the one who initiated the transfer.
My father died on XXXX/XXXX/17 ; he has a checking account at Bank of America. I called BoA for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to BoA Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at BoA Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local BoA branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local BoA branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called BoA Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been " escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Bank of America account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.
If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.
I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.
After filing for Bankruptcy XX/XX/XXXX, SPSERVIING and XXXX XXXX, where on my credit report as a history and showing that I have a mortgage account. It is now XXXX, XXXX XXXX. According to XXXX Credit Reporting Agency, SPServing  requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. SPSERVING needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, XXXX, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.
XXXX contacted me via email. I contacted the number on the email. I asked the representative what were the minimum criteria to qualify for the offer. She explained she did n't know and forwarded me to a credit analyst at Citibank. She also gave me the direct line in case the call were dropped. I asked the credit analyst representative what were the minimum requirements to qualify for the credit card. I also gave him my XXXX credit scores. He stated there were various factors and that there were no minimum requirements to qualify. 

I decided to apply for the credit card based on the information the credit analyst provided. Specifically, that there were no minimum requirements. I applied for the card using the link provided in the email. I was declined immediately. Upon calling XXXX XXXX back and being connected to Citibanks information line. I learned that I was declined based on a bankruptcy I had XXXX years ago. I would not have applied had the credit analyst given me this information before I applied. I requested " minimum requirements " Now, I have a " hard pull '' on my credit report reflecting the denial. This damages my credit! 

Deceptive practices. 


I have worked very hard to get my credit rating back to good standing. Only to be deceived by companies such as Citibank and XXXX. I am requesting to be made whole.with further facts to be presented.
Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much.
On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.
I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.
Money 's was taken from my Direct Express account XX/XX/XXXX without my authorization. I immediately made phone contact with Direct Express via Cell phone and reported the incident. Paperwork was sent via Post which I filled out and returned via the USPS. I shortly received a letter advising that my claim had been denied and case closed due to Direct Express stating that they did not receive the requested information from me. I again sent the forms on XXXX XXXX 2016 via USPS Tracking # XXXX XXXX XXXX XXXX XXXX. I received receipt conformation delivery of XXXX XXXX 2016 by XXXX XXXX. XXXX. Upon receiving the denial I spoke with Direct Express via phone in ref. to Direct Express resending the forms to me, @ which time I was advised by Direct Express that my claim would be reopen when the before mentioned forms were received by Direct Express. I made phone contact with Direct Express on XXXX XXXX 2016 and spoke with XXXX @ XXXX hrs and was transfered by XXXX and spoke with XXXX @ XXXX hrs. At that time XXXX advised me that there was no info available on the status of my claim reopened/not reopened, and who was assigned to investigate. I was also advised by XXXX that there was no time limit on how long it would take to complete (? Why was my case closed without all info received if time is not a factor? ). At that time I made a verbal request to XXXX that the current status of my claim be sent to me in writing. As of this date XXXX XXXX. I have not received my request. I am currently behind on my financial obligations, I am a XXXX Veteran and live on a fixed income. I feel as if I am being victimized all over again. I do not plan to continue with Direct Express because I no longer trust them. I went with Direct Express because the Federal Government recommend them.
LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.
I recently received a personal line of credit statement dated XX/XX/XXXX from Citizens Bank of XXXX, RI requesting a payment of {$100.00} on a past due amount of {$100.00}, which I believe are fees. This line of credit was opened in XX/XX/XXXX, which I barely used if at all, and I personally closed this line of credit in their XXXX XXXX, MA branch at least five years and closer to ten years ago. At the time of closing the account, I remember the employee instructing me that I was all set and that he had closed the account. I do not recall him having me sign anything, it appeared everything was handled on the computer by the employee. I have not received any fees or correspondence from Citizens Bank regarding this LOC in many years. 

On XX/XX/XXXX, I went to the XXXX XXXX, MA Citizens Bank branch to discuss these fees. They were of no assistance whatsoever and the issue did not result in any resolution. They informed me that the account was never closed and that I needed to write a letter to XXXX XXXX XXXX in XXXX, RI requesting to waive the fees and to formally close the account. They also set up a case issue number and spoke with someone over the phone about the account. Also, one of the employees stated that Citizens doesn't even offer these personal lines of credit anymore. Since there was no activity on the account for many years, I believe Citizens assessed these fees to get my attention so I would close the account. 

On XX/XX/XXXX, I wrote a letter as instructed requesting that Citizens waive all fees and to close the account. The consumer loan servicing center has not responded to my letter. I have received two phone calls from a man named XXXX, who claims to be from Citizens. I believe he is just responding the case number set up by the branch and knows nothing about the situation. The first time he called, I called him back and he would not speak with me unless I gave him my full Social Security number which was on a recorded line. In this era of rampant identity theft, I thought that was totally inappropriate and I refused to speak with him. As of this writing, I am waiting for someone in consumer loans to contact me and grant my request. This is all totally unnecessary, since I closed this LOC many years ago.
Credit Karma reporting is very irresponsible. They put items on my file without investigation. I never receive verification they contacted the companies who are actually reporting about my credit with them If they had, I would not see companies I paid in full and cancelled their credit cards appearing back in my file with balances. This type of lack of reporting accurately has cost me to lose XXXX points within the last 20 days and they need to be held accountable for their total disregard of repirting accurate information.
Sears Citi Mastercard : Fraudulent charges : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$240.00} ( reference Number : XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$8.00} ( ref. # XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$13.00} I 've called Customer Service, transferred to Security. No action were taken about the above charges other than send me a new card. I 've seen a higher minimum payment and I continue to pay for these fraudulent charges I did not incurred.
My mortgage is currently serviced by Ocwen. Ocwen modified my mortgage loan in 2012 and reported a principal reduction of XXXX to the IRS. However, Ocwen never reduced the principal on my loan by {$220000.00} ... .they simply report that amount as a " XXXX waived balance '' ( see attached ). I was advised by Ocwen that even though they did not reduce the principal of my loan, the IRS advised them it was " OK '' to report the loss. Since I received a XXXX income statement for XXXX, it has caused major issues with my tax filings, due to the extreme income adjustment. Ocwen has refused to reduce the principal balance of the loan by {$220000.00}, even though they have reaped the benefits of the IRS tax write off. Clearly, Ocwen has violated Federal IRS Tax Code and is guilty of financial fraud. Ocwen has also issued forced placed hazard insurance ( HOI ) at {$3500.00} per year, which is very extreme based on the current value of the property. Ocwen has failed to prove up the force placed insurance policy, even though i have requested it on numerous occasions. This serious increase in HOI has bumped my pushed my escrow up to {$430.00} per month ( see attached ). Furthermore, the current HOI has refused to pay for the serious plumbing repairs that are covered in normal insurance policies. Overall, I feel cheated and deceived by Ocwen, so I am seeing your assistance on this matter.
amount was paid in full months ago before collection attempts, agency is unresponsive to my information and continues to harass me with calls and letters
My bank USAA accepted and paid a check on XX/XX/XXXX even though the check had been post dated to XX/XX/XXXX The result was XXXX checks being returned for insufficient funds and XXXX {$29.00} NSF fees. I called the bank and told them of their error to accept a post dated check a day early but they would not refund the fees. When I asked to speak to a supervisor I was put on hold and then disconnected. They did not call me back even though they have my phone number.
Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.