WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.
They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.
Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.
UPON APPLYING FOR CREDIT, WAS DENIED BECAUSE OF AN UNKNOWN DEBT .CREDIT REPORT SHOWAS A NEGARTIVE UNCOLLECTED BY : CREDIT COLLECTION SERVICE  XXXX   XXXX   XXXX   XXXX  MA  XXXX  FOR A DEBT FROM  XXXX  NEVER CONTACTED BY ANYONE SO I HAVE NO KNOWLEDGE AS TO WHAT THIS IS.THERE HAS BEEN A PROBLEM IN THE PAST WITH ANOTHER  XXXX   XXXX  ON  XXXX  IN  XXXX   XXXX  CA.
On XXXX XXXX, 2016 XXXX XXXX from Wells Fargo Branch : XXXX XXXX XXXX XXXX. XXXX, CA, XXXX : XXXX. XXXX singlehandedly placed a hold on my account for an unnamed and illegitimate reason and withheld pertinent information regarding the hold on my account. SHe said I needed to call my Wells Fargo credit card company to get the hold uplifted and she said she had no power or control over the matter. I spoke with XXXX WF reps who all said XXXX was the point of contact I needed to speak with in order to get the unjust hold lifted. She is refusing to cooperate and is intentionally telling me incorrect information regarding my bank account. She has frozen my funds and I am unable to use my money in my bank accounts. This is illegal.
My loan was purchased by Wells Fargo from my original lender with whom I had been in good standing. Wells Fargo changed the terms of the loan, unbeknownst to me, to compound interest daily. They refused to allow me to pay any more than the minimum payment unless I opened an account with them which I flatly refused.
Nationstar Mortgage assessed late fees and penalties for two months to the mortgage loan although they are authorized to debit the funds from my banking account. They are currently charging me late fees for XX/XX/XXXX when the payment is not due until XXXX/XXXX/16.
i purchased a XXXX vin XXXX from XXXX XXXX contact number XXXX they repossessed my car for none reason i have a contract the are wrong i have a contract i never miss any payment the are telling me because i do n't have any driver license or i 'm not legal and this country they take my car i 'm resident of this country but i do n't have any driver license only id i feel this is discrimination again my person my account number with them is # XXXX my name is XXXX please help me my contact number is XXXX the telling me i do n't have insurance i do have only excuses to taking advantage of me please help me
The collection company contacted me in reference to the debt owed. They stated if debt was paid in full it would be deleted from our credit report by the end of XX/XX/XXXX. My husband called and paid in full. It is now the end of XX/XX/XXXX and the debt is still there.
My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to my account.
I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.
Hello, I consolidated my Federal Stafford loans ( roughly $ 50k ) received from XXXX XXXX XXXX XXXX XXXX ( XXXX ) in late XX/XX/XXXX after graduating from XXXX XXXX at XXXX in XX/XX/XXXX. I have managed to pay down my student loan balance since XX/XX/XXXX on time each month and was also able to pay additional amounts to help reduce the outstanding balance subject to interest charges. Based on a recent financial event that has allowed me to completely pay off my remaining balance, I paid {$10000.00} to XXXX on XX/XX/XXXX ( XXXX is the servicer of my consolidated loans ). I did this by using the pay online function that displayed the 'payoff amount ' and simply entered that amount to pay off. 

After I did this, I remembered that XXXX offered 2 benefits when we were told about using the consolidation option for our subsidized and un-subsidized Stafford loans. One benefit was a 0.25 % interest rate reduction after a certain period of on time payments and I was given this benefit several years ago ( my interest rate went from 3.5 % to 3.25 % ). The other benefit was that the final {$590.00} of our loan balance would be forgiven if we continued to make our payments on time. It does not appear the XXXX website gave me the benefit of the {$590.00} forgiveness so I emailed XXXX about my questions regarding this forgiveness benefit. I was told ( emails back and forth with XXXX on XX/XX/XXXX ) that since I paid my entire loan balance off, that I am not eligible to receive this forgiveness option. 

I have a hard time understanding this since I 've been a good payer on my loans owned by XXXX and serviced by XXXX for over 10 years. I have also paid thousands of dollars in interest charges since XX/XX/XXXX on my amount borrowed, so I do n't believe that being able to receive the benefit of the {$590.00} forgiveness benefit is something that is such a terrible request even if I am able to pay off my loan early. If I had realized this, I would have simply paid the full amount due minus the {$590.00} so it would have been forgiven through whatever process they have set up. But because I did pay off my entire balance, XXXX is telling me that I 'm not eligible to receive the forgiveness benefit. 

I find this very unfair since I have been a faithful payer on my loans and am being penalized for paying off my entire balance. Also, why does n't the XXXX website allow for consumers to understand this forgiveness? {$590.00} is a lot of money and I do n't believe it 's asking too much to receive the benefit that XXXX has given others that qualify for it like I do. 

Thank you, XXXX XXXX XXXX
In XX/XX/XXXX my wife and I went to Huntington Bank and asked for a mortgage loan, and we were granted what we thought was a mortgage, because they took the deed as collateral, and in XX/XX/XXXX we went back to Huntington Bank to try to refinance, found out we did not have a mortgage but rather an installment, and could not refinance to a lower rate. The rate on the loan is 9.49 % Also we did borrow more money from Huntington Bank as a line of credit in XX/XX/XXXX, for a rate of 4 % abd when the line of credit was due, we did not have to money to pay it off, so they gave us a modification at a rate of 5.5 %. When we took the line of credit, we were told when it was due we could put the installment loan and the line of credit together and refinance the both of them together. When we tried to do that, the bank said we could not do that. feel we were mislead on this whole process, and we should have been able to refinance at a lower rate. Just the installment loan alone will hace cost me {$180000.00} for a {$95000.00} loan
A transaction was started wi th Western Union o n  X/XX/2017   .   I paid the extra money so that it could be ready in minutes. A total of {$100.00} was taken out of my bank account. The money never arrived, they contacted me that the transaction was " under review ''. I called the next day to tell them that I needed my money back because I needed the money transfer " in minutes '' as they promised and I had to find another way to transfer the money to my family. They refused stating that I needed to send an ID. I do not feel comfortable sending my government ID via email, and told them that I just want the money placed back into my account where they took it and I did n't understand why my money was on hold if there transaction was no longer required. They refused to give my money back. I feel like they are holding my money as ransom and are trying to obligate me to send a copy of my government ID for a transaction that I no longer need since they are not able to send my money " in minutes '' as they promised. I understand that they must do certain things for security of the customers but I do n't understand why money is being held at ransom if I no longer want to do the transaction and I do not want to send a copy of my ID. I simply wanted the money placed back from they took it. I attempted to call customer service and they manager was very rude.
Collection information sent to the creditor showing that the debt was paid in full, they refuse to notify XXXX of the XXXX agencies even though it was removed and shows paid in full through XXXX. Spoke to XXXX different people, all with the last name of XXXX ... XXXX, XXXX XXXX XXXX XXXX. They said I have to pay them even though I have no debt with XXXX XXXX and they have to be paid and refused to contact XXXX XXXX to verify that the debt does not exist.
I called and requested a payment extension on both of my loans with XXXX. The first one on my primary vehicle was processed no problem. I was even able to sign the payment extension through a secure website and within 2 minutes. The next vehicle not so easy - I was told that since I went through a contact center in XXXX, TX that they did not have the capabilities of doing e-sign. I requested that option because of the ease of use and that my situation was quickly resolved in that manner. I then was told that they could fax the document to me ( which I dont have a fax ) or that they can mail it to me. I chose the option for them to send it to me via US Mail. Upon my receipt of the document ( mind you the same one that they could not email me ) I signed it and followed the instructions at the bottom of the agreement to fax or mail ( which I mailed ) a copy to them and to keep a copy for my records ( which I have a copy of the document ) the document that I signed and returned via US Mail. Come to find out my account is now almost 60 days behind because they stated that they never received the document at the address in which they provided as a good contact address for this transaction. I called and spoke to a XXXX who said that I should have called to confirm that the document was received. The document does not state anywhere on it that I should follow up to make sure it was received as that was not a condition that was stated in writing that I should follow to make sure that it was received. The representative then transferred me over to a supervisor who stated pretty much the same thing and seemed to insult my intelligence all in the same interaction. I think that if mailing was an option that was stated as a viable option to assist in this matter and I did everything that was requested of me to sign, return and keep a copy that my original agreement should be honored and that I as the customer should not be penalized for a lack of receipt on their end -especially when e-sign was offered before.
I have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. 

I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 

1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 

2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 

3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 

4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end.
I opened a Citi AAdvantage card. During the account opening process, the application asked me to create a log in, sign up for a paperless option and then provide a secret word. When I selected Continue to move on, the website said " System Error. '' I tried calling customer service who was not able to identify me or find my application. They transferred me to the application team where my application was found. I was then told that there was " website issues '' or " some applications do n't allow instant access, maybe this was one. '' and to " Please just wait until you get your card and you create on online account. '' My concern remains that Citi is willing to send a credit card by XXXX with no tracking methods to my house in the city where mail is often stolen and the only way to create an online profile is to " try calling back in 24-72 hours when your account goes to customer service and see if they can help or wait until you get the card. Maybe we could also send it to someone else 's house. '' I am concerned that I have no way of tracking the account opening process and delivery of my credit card without putting a hold on the account and potentially allowing someone to compromise the card without me being able to log in and see the account status.
Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX
I have health problems and had worked out an agreement with the company. Which was offered by the company. Something went wrong with the agreement in their system which they blamed me as my fault. Now they are constantly posting to my credit as five months late which they know. I believe to collect the debt. I have been current with my loan close to three years.
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is Equifax by sending XXXX written request As XXXX XXXX ( Vice President of advocacy management office )!

However XXXX  Never responded to my request!!!!
My husband and I put an offer on a new construction home by XXXX. They have an affiliate lender Advisa Mortgage. I did a pre-qualification on their website while I was rate shopping to find out what their interest rate was. When we decided that they had the favorable loan term I did a joint loan application that included my husband 's information. 
Advisa Mortgage had sent loan document for me to sign based on the pre-qualification I had done. I initially refused to sign the documents because the application information on there was preliminary and not a complete picture of my debt situation. The Loan officer however sent me an email stating that by signing the documents I was not agreeing to what was on there I was just acknowledging that I got the documents and he needed it signed to unlock the loan record. So I signed. After he looked at our joint application he decided that our debt to income was too high for us to be able afford the house and to be approved. We told him that if that is the case then we do n't want the loan. We proceeded to tell the seller that our debt to income was too high and we ca n't get approved for the loan. Advisa proceeded to tell the seller that because most of the debts were in my husband 's name they can approve the loan if they take my husband off the loan and do the loan just in my name.they can approve it that way. The seller then stated that we would forfeit our earnest money if we do not get the loan that is just in my name as was being offered by Advisa. We feel like this is predatory lending on Advisa 's part because they clearly know that there is these debts that are in my husband 's name that I am still responsible for but they are forcing us to remove my husband from the loan as a way to hide my debts and approve a loan so they can get commission from the loan as well as collude with the seller.
B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent.
This is on all XXXX credit bureaus. On XXXX XXXX I traded in a Subaru for a Mitsubishi. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX14-XX/XX/XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be one loan inquiry for this purchase. This greatly effects my credit and my score
This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.
I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed