WillisBack/dataset-financial-user-claim huggingface dataset:
We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full  payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX   XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
I 've had an account with HSBC for about XXXX years and in XXXX they began asking me for information to elaborate on my employment, and I have been ignoring their calls and letters because the request is irrelevant to my banking relationship with them. The letters and calls never explained why the information was needed. 
They noted that they have in their records that my title is listed as " XXXX '' and my employer as the " XXXX ''. They wanted to know XXXX of " what? '' and which agency within XXXX. I truly did n't see why this was necessary information, so I did n't respond, particularly while I was on vacation and dealing with more pressing personal matters. 
Their last letter said that they needed the info by XXXX XXXX or they would take action by freezing my ATM and internet banking access. So I went to the branch where I opened the account on the XXXX to see what motivated this threatening tone because no XXXX as of then had explained the magnitude of the need for my additional employment data. The customer service representative could n't give me a good reason on why this information was needed, so I asked him to look into it and get back to me. When he called me back later that afternoon, he still could n't give me a good reason but told me that he found my info online and submitted it to satisfy the request. The following morning, XXXX, my wife could n't use our debit card to make purchases. Saturday, XXXX XXXX, I 'm at a restaurant with my wife and XXXX twins, and my card is declined. I have no access to my funds. 
I returned to the retail branch on Monday the XXXX and demanded that they unfreeze mycards, which they did, and they continued to say they just needed some infofrom me which I continued to decline to give without an explanation. That night my internet banking was n't working and I again had to call customer service and was on the phone for an hour before no one was able to help, and had to return to the branch the next day to unfreeze my internet banking. 
No one was able to tell me why they had taken such drastic measures tohinder my access to my personal funds. I presume it was to get my attention just to know what my exact title is and what specific city agency I work for. Information that I believe is not necessary for my banking needs being that they already had my title as XXXX, and my understanding is that employment is not necessary to have a bank account. 
That night, XXXX XXXX, I receive a letter saying that they 're outright closing myaccount on XXXX XXXX with no explanation except citing their Rules ofDeposit Accounts authorizing them to close my account. 
I had to quickly open an account with another bank and reestablish my automatic direct payments and change my work pay direct deposit. 
This has been a total abuse of power, disrespectful, and obnoxious on theirpart, and I need to make sure they do n't just go on with their business asif nothing happened while they totally disrespected me and my family. I'vebeen an HSBC client for a long time and I ca n't believe it 's more importantfor them to do this than to respect my loyalty and risk losing me as aclient.
This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!
I experienced damage from the hurricane Harvey, and was denied coverage from the insurance company. I requested assistance from my mortgage company to assist me with payments as I repaired my home. I entered into a 4 month trial modification. I was not informed that they would be reporting me 30 days late to the credit bureaus. I have never been late on my account with the mortgage company. I have disputed the late reporting with the bureaus, and mortgage company to no avail. There is no where in the agreement that states that as I am in the trial payment to gain assistance that they will report late on my account.
Equfax indicated that the public record investigation indicated the liens were released, but did not update the credit report. 

The liens were released in XXXX 2014
We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.
I went to the " XXXX '' web site and filled in the information. First, it took me to the Equifax site, where I selected the option of " saving your report as PDF '' option. I got a dark screen with an error message stating that the " PDF function not allowed '' and " for errors please report to null ''. When I returned to the web site they disallowed any viewing of my Equifax report, stating I had " already viewed '' it. 
This web site is coded to be confusing, misleading, deliberately taking the user to paid reporting functions of the various agencies and to prevent the user from actually accessing these reports. 
These financial data are mine. To deny me access to current data is wrong. 
I want my annual credit report AS REQUIRED BY LAW. Please stop the deceitful practices of the reporting agencies and create a REAL annual report site. Thanks.
I was a cash patient to XXXX XXXX XXXX XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) back last year prior to XX/XX/2017. At that time I was a XXXX not having the best health insurance plan so it was best to pay as a cash patient ( per XXXX XXXX XXXX XXXX ). I paid the full amount of {$100.00} for the check up and was told from the front office that my account " WAS PAID IN FULL AND CURRENT ''. My assumption here is the back office was NEVER updated and I find out through a letter from Credit Consulting Services , INC. on XX/XX/XXXX a collection letter that states COLLECTION NOTICE for the amount of {$100.00} + {$11.00} ( Interest ) = {$110.00} I reached out to XXXX XXXX XXXX XXXX in XXXX with the above mentioned address and even on XXXX this business does not exist and is CLOSED. They're now a new business operating under XXXX XXXX XXXX XXXX and when I attempted to get the back end office number to clear up this discrepancy I was informed a contact number to which when I called that number this number was a non existing phone number. This is very frustrating as I never got ONE single letter mail from XXXX XXXX XXXX XXXX over a year later stating I owe an amount to Credit Consulting Services INC,  with a Collection Notice that I owe a debt that should've been cleared up by XXXX XXXX XXXX XXXX when I paid the full amount. Why must my credit be affected as a negative item and suffer when XXXX XXXX XXXX XXXX clearly was at fault by hiring incompetent employees that could not complete a simple task as such as updating a payment record for a cash patient. If any information is needed from my end please feel free to reach out to me.
I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with capital one I have no idea what they are talking about as this was fraud and never authorized by me.
XXXX XXXX XXXX, account number XXXX is appearing on XXXX, XXXX and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with XXXX small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future .
I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.
I was reading my emails when I realized I had a message from XXXX XXXX monitoring notification, To my surprise, I saw that my credit score had dropped 30 points. I looked at the details too both XXXX and XXXX, I read that Navient 1 had reported my account to have 90 - 119 days late. 
I had a Chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX. I received a letter from the XXXX XXXX advising me that after the bankruptcy discharge there made be a letter sent from any creditors in which I had a balance if any. 
When I read my credit report I called Navient and explain to them that I have not received any letters or communications concerning any balance. This call was made in XX/XX/XXXX. During this call, I explained that I have not received any communication or letters from Navient in reference to this loan. In my bankruptcy, I had a balance high of {XXXX} down to the Navient present balance of {XXXX}. I agreed to pay the amount of {$XXXX} plus interest by XX/XX/XXXX, and continue monthly payments of {XXXX} until the balance is paid. All I ask is that the derogatory marks on my credit report be removed as per the dispute. I had to update the information on my profile because the information was incorrect on record. I hope Navient will remove the marks as requested.
AFNI ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.
I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.
hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you