WillisBack/dataset-financial-user-claim huggingface dataset:
I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.
In XX/XX/2018, I purchased a new XXXX XXXX XXXX  and financed the transaction with XXXX XXXX XXXX XXXX ( " XXXX  '' ) to obtain an additional discount on the vehicle. The loan did not have any prepayment fee or other restriction, so in XXXX, I refinanced the remaining balance due with State Farm Bank " SFB '' ), working through my XXXX XXXX XXXX agent that handles the insurance policy on the truck. I applied for the loan on XX/XX/2018 and SFB funded the loan on XX/XX/2018, sending a check to XXXX to repay that loan ( which was posted as payment in full by XXXX on XX/XX/2018 ). After my first payment of {$560.00} to SFB, due on XX/XX/2018 and posted to my account by SFB on XX/XX/2018 ( the date received ), I looked at my account on the SFB web site to see how the payment was applied. To my shock, SFB charged interest on the loan from XX/XX/XXXX ( the date I applied ) rather than from the date SFB funded the loan. I believe that this practice is illegal, and is certainly unethical. After several conversations with representatives within different levels at XXXX, XXXX  refused to reverse this illegal accrual of interest. The amount of excess ( i.e. illegal ) interest accrued is {$37.00}. This may not seem like much but the result is that the principal of the loan is thereby overstated by {$37.00} and will be for each monthly payment for 58 months, resulting in substantially more interest than is allowed by law. In addition, nowhere did SFB disclose in the loan application that interest would accrue from the date of application. If SFB had done so, I would not have borrowed the funds from SFB. If SFB has done this to me, it is likely that SFB has done this to thousands of other borrowers who do not have the financial acumen to see that SFB is defrauding them as well.
On XX/XX/XXXX my bank account was debited for XXXX without my authorization. In talking to the bank the Legal Order was ordered by Portfolio Recovery Associates. I received a Notice To Defendant to my father 's address dated XXXX/XXXX/16 for an amount of {$6000.00}. 

I have no idea why this judgment was entered and what this is for. 

I lived with my father for 6 months but did not incur any debts, did not make any purchases and I 'm not familiar with who Portfolio Recovery Associates is. 

Now I have no money to feed my son and no money to pay my rent.
XXXX 's client XXXX XXXX is an identity theft victim ; her information was used to apply for an account with XXXX/Bloomingdales XX/XX/XXXX. While no account was established the application created a fraudulent inquiry with XXXX that is still being reported by the credit bureau. An official dispute of this was sent via certified mail to XXXX XX/XX/XXXX but as of today the inquiry is still listed which is a violation of the FCRA.
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
Experian refuses to state in my credit report that the debt initially reported by XXXX XXXX XXXX is actually paid. The XXXX balance of the debt sold to another in no way actually indicates that the sold debt by XXXX XXXX XXXX was actually and subsequently paid by me. 
In addition, contrary to the existing laws, in XXXX of XXXX Experian allowed XXXX XXXX XXXX to update the information on the debt XXXX XXXX XXXX no longer has owned since the year of XXXX. Experian refuses to post the information that I paid the debt in question to the new creditor XXXX XXXX XXXX on XXXX XXXX, XXXX.
I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.
I have emailed many times my update FTC identity report you continue too list these 2 medical accounts which is not mine XX/XX/2018 you relisted these accounts on my equifax credit report delete now!!!
Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave up.
I have a credit on my Dillard 's credit card in the amount of {$93.00} that I was overpaid my on my credit card in cash. Dillard 's insisted that they have mail me a refund check for that amount in XXXX, 2016. Until XXXX XXXX, 2016, I initiated the contact about my refund, the employee stated that the check is already mailed out to me. I told them that I have never received the refund check. I called back on XXXX XXXX, 2016 on the same issue of my refund check, I was told that Dillard 's will mail me an affidavit form that I need to fill out in order for them to mail out the refund check again ( no one told me that the refund check that Dillard 's sent out was cashed ). I have waited until today, XXXX XXXX, 2016, to call Dillard 's back about the affidavit form that they said they will send out, this time the employee stated that the refund check has been cashed (? ). I told them that I never have received nor cashed that refund check. I have been told many different stories every time I contacted them about my refund check. This time, Dillard 's told me that since the check has been cashed, there is nothing they can do for me. Really? 
I want to know what is my right to demand that my refund be sent to me or at least get a copy of the check that has been cashed so I can find out who cashed that check. What can you do to help me? 
It 's not that refund going to help or break myself financially, but I want a better service from a credit card company than Dillard 's in this case. Thank you.
Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.
Received calls every XXXX days from Bill collector, when I answer the call gets disconnected. No voicemail is left when I do n't answer.
I have filed 2 complaints against OCWEN in an attempt to get my mortgage invoices reported correctly. On both occasions, they have done a complete review of my account, concluded that my account is current and I have not missed or made any late payments, cfpb have closed the complaint on the word of OCWEN that the issue have been resolved and then continue to send me bills showing that my account is past due and has an outstanding balance. I'm convinced that OCWEN has the nefarious intention on foreclosing on my mortgage if I am not paying attention, so I am insisting that this complaint not be closed until I have received a bill showing no outstanding amounts and that my mortgage is completely current. I spoke with 2 individuals at OCWEN on XX/XX/XXXX one was the escalation manager and they still insist that I owe OCWEN from XXXX. This statement insinuates that my mortgage is over the 120 days behind at which point they can begin foreclosing against me. 

The two previous complaint numbers are XXXX and XXXX. 

I am attaching the letters sent in answer to these complaints clearly stating that my account is current and am insisting that OCWEN correct my account to show that it is current with XXXX outstanding amounts. 

I am also attaching the bills I am receiving showing a balance forward that is incorrect, my bills should have a {$0.00} outstanding balance.
My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.
I'm being sued by Bank of America. I used to get statements in my email. However after I moved to XXXX in XX/XX/XXXX I no longer had access to the XXXX email account. I tried for a year to get Bank of America to send me a statement.

I talked to a lawyer who said my only choices is to loose the case or try and work out a payment plan.

I've been trying to get help with this is due for a long time and no one seems to help. How can I be sued when a creditor broke the contract. I did fall on hard times and trying to get back on my feet. This is the last thing I need right now.

The court date is XX/XX/XXXX. The magistrate court lied to me about me getting the case transferred to XXXX where I moved too. 

I can not get to XXXX to fight the case. I just need help. Please.
The basis for my dispute is that CAPONE was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation that they complied with this requirement.
I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage to me.
I do not owe a {$91000.00} mortgage on the property at XXXX XXXX. 
I do not use a {$100000.00} line of credit I paid off in XX/XX/XXXX. 
I do not use a {$24000.00} line of credit I paid off in XX/XX/XXXX. 
I did not refinance a {$33000.00} VA loan on XXXX XXXX. 
I did not borrow any down payments I paid off the {$260000.00} loan released in XX/XX/XXXX with the {$260000.00}. 
They want me to pay again. 
I paid off the {$240000.00} balance with the {$360000.00} I paid to Indymac. 
I paid off the {$49000.00} XXXX principal balance with the {$49000.00} paid to XXXX and {$5700.00} paid to XXXX. 
I paid the taxes and and insurance with the {$70000.00} difference in the 7 % XX/XX/XXXX mortgage supposedly paid off in XX/XX/XXXX and the {$260000.00} Indymac/XXXX mortgage at 4.34 % The XX/XX/XXXX XXXX loan paid off the XX/XX/XXXX mortgage that was refinanced in XX/XX/XXXX The XX/XX/XXXX refinance paid off the loan recorded and released on my neighbors lot XXXX in XXXX XXXX. 
Paid off again by a XXXX mortgage from XXXX XXXX that did not pay off anything. 
XXXX XXXX used a paid in full line of credit to pay off a VA loan I had already paid off. 
And a {$24000.00} line of credit along with the {$18000.00} paid to XXXX/ XXXX {$9400.00} + {$2700.00} {$14000.00} of credit to pay off {$14000.00} paid to midland I wish to pay off the current balance with the {$120000.00} lines of credit and the {$91000.00} mortgage on my duplex. 
{$220000.00} + the {$130000.00} + XXXX {$140000.00} paid to the VA mortgage. 
= {$360000.00} They only owe me {$140000.00} for the VA loan. 
Credit cards. They can use the {$170000.00} individual payments to pay the {$100000.00} principal balances ( that were also discharged in my bankruptcy ). 
They can return the remaining {$73000.00} credit and the {$30000.00} paid to XXXX for the {$100000.00} line of credit. And refund the {$24000.00} used to pay the escrow to the duplex for the new buyer for the {$4700.00} Ocwen loaned me on my {$5000.00} HAMP incentives. Instead of the {$5700.00} XXXX payments Ocwen used to pay to XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX taxes they did n't have to pay ( because I paid it off early ). 

In all I have paid all of the {$510000.00} on the XX/XX/XXXX mortgage I had paid all of the {$130000.00} on the XX/XX/XXXX duplex loan. 
I paid all of the {$99000.00} on a VA loan I assumed and never refinanced. 
For the above I paid all monthly payments with taxes and insurance to pay off 15 year loans on each property. 
Plus the {$41000.00} duplex payoff in XX/XX/XXXX and another {$62000.00} to XXXX XXXX from the foreclosure. 
I didn't/do n't owe anyone anything on the VA loan paid in full I did n't use or authorize and gave no one any security interest in a line of credit on my duplex from XX/XX/XXXX. 
I did n't use, mortgage or owe anyone any money on {$24000.00} line of credit on my house from XX/XX/XXXX. 
I do n't owe and could not mortgage my neighbors property. 
I do n't owe anyone else anything for any other recording errors.
Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed.
Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.
My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for them
I initially had my loan with XXXX University and was paying them back under the terms specified. The next thing I know my loan has doubled from what it initially was and bought out by XXXX. I then began paying them as stated the amount has now doubled. I paid them for several years and then my loan was sold again to Navient and I am back to paying the original loan that I started out with XXXX University. I feel that this whole system is a scam and I have been paying these people for years. I feel this on-going practice is robbing me blind. I graduated from XXXX University in 2008. I have been paying on this student load since before that time. I would like someone to investigate this matter. I tried to do a loan forgiveness because I work with XXXX XXXX but was denied because they said the dates did not match what they had on record. I feel that was a total fabrication on Navient 's part. Again, please have someone investigate this matter as soon as possible. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My previous address was in XXXX XXXX, XXXX Thank you for your assistance in this matter.
Dear CFPB officers, My complaint is about CapitalOne Venture credit card I had. I had been using this card for about two years. In this first year, it worked well so I continue to use it and paid the annual fee of {$59.00} early this year. But since then, this card became very hard to use. In XXXX and XXXX 2016 all attempts to sue this card were all declined. I call the customer service many times and spent hours on the phone, but they could not resolve this problem. In XXXX 2016 I again was declined. I called the customer service again. This time, a lady named XXXX ( Employee ID XXXX ) tried many ways but I still could not charge to this credit card. Even when she was with me on the phone when I tried to use this card, the problem was still there. Since I can not use this card, I had to close it. But CapitalOne refused to refund me the annual fee I had paid. My point is that I paid the fee for service. Since CapitalOne can not provide the service, they should refund me. After communicating with CapitalOne many times, they still refused to refund. So I have to resort to CFPB for help to get the refund I deserve.
On  XXXX   XXXX ,    2017  I submitted an application for " Closed School Discharge '' and an application for " Attestation for  XXXX   XXXX   XXXX   Students Application  for  XXXX   XXXX  to Repayment Loan Discharge '' via certified mail. In the  XXXX  to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On  XXXX   XXXX ,    2017  I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by  XXXX , and now feel misled by the Department of Education.
Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with Clarity Services, XXXX and XXXX  but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.
The following company has repeatedly called me AFTER I sent them a letter SPECIFICALLY telling them to not contact me by telephone : BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX The Phone number they use is : XXXX I have since blocked that number but expect them to try and use another. 

The text of the letter sent to them is as follows : " SENT PREPAID USPS FIRST CLASS MAIL BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX RE : Reference No. : XXXX YOUR CLIENT : XXXX XXXX XXXX Hospital Dear Sir or Madam : This is not a valid debt and I vigorously dispute it. 

Enclosed you will find a Debt Collectors Disclosure Statement. I trust you will find it self-explanatory. 

You are also instructed to NOT contact me by telephone at home, work or facsimile. You may communicate with me by regular USPS mail. 

Any derogatory reports made to any credit reporting agencies will be met with the full remedies provided by law and a Complaint lodged with the Federal Trade Commission. 

Please govern yourselves accordingly. 


Sincerely, XXXX '' Enc. : XXXX pages