WillisBack/dataset-financial-user-claim huggingface dataset:
D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!
I am on the REPAYE program but my servicer, NELNET, has formulated it so that the first 12 months are {$220.00} and then my payments balloon to {$650.00} a month until it is paid off, no matter my income. I can not afford this. And the only other options that allow me to pay less are NELNET 's program, which will incur a larger amount paid in interest over the life of the loan. 

The REPAYE program is quoted to be 20 years for XXXX loans, but NELNET has told me that my payments do n't take 20 years and can not explain why I 've been put on this particular schedule. 

Further, they will not give me a spreadsheet that itemizes my payments, interest vs principle payments, and note the interest paid by the Dept of Edu by way of the REPAYE plan 's feature.
While applying for a mortgage our mortgage provider worked with CREDCO to pull my credit report. During a rapid re-score CREDCO improperly pulled my credit on both XXXX/XXXX/2016 and XXXX/XXXX/2016 creating XXXX separate hard inquiries which negatively impacts my credit score. The double pull was an error on their part and should be corrected. We 've requested CREDCO report this error to the CRA 's and they 've refused.
I have appearing on my EQUIFAX credit report a fraudulent a ccount, XXXX/XXXX XXXX a collection agency XXXX XXXX XXXX XXXX attempting to collect for the XXXX original creditor.I have never ordered anything from XXXX at any time and is possible ID theft or an error of the original creditor. 
These should be removed immediately from my report. 
In addition I have a XXXX XXXX XXXX acct that is paid but shows a balance on my credit report.This should also be removed.
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XXXX XXXX, 2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
On XX/XX/XXXX I received a voice message regarding a formal complaint with their office, if I did not call back XXXX XXXX Florida Court would be contacted. XX/XX/XXXX I returned the call and XXXX at ext. XXXX answered, she stated she was calling from XXXX XXXX on behalf of INSIGHT CAPITAL LLC, in regards to a returned ACH of {$430.00} from XX/XX/XXXX. I requested proof of the original debt, she refused, I requested she communicate with my attorney, she again refused, I stated I had all debts discharged in a Chapter XXXX Bankruptcy 2 years ago. I reviewed my bank statements from XX/XX/XXXX and there is no record of a {$430.00} returned ACH from anyone. She gave me 2 hours to callback and pay in full, only emailed me a settlement payment letter and NO ORIGINAL DEBT DOCUMENTS. I researched INSIGHT CAPITAL LLC, called the number on the internet and the representative stated it was a scam and to report to the FTC.
After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic payment.
I have had repeated issues and concerns with LoanCare. I recently refinanced with a different bank, and in spite of paying off my loan with LoanCare and stopping my automatic payments, LoanCare continued to withdraw funds from my checking account ( over {$1500.00} ). I called LoanCare and they explained that automatic payments were not active on my account, nor did they have any credit on my account reflecting the payments that were still being withdrawn from my checking. I called my bank and they explained that the money was indeed being withdrawn by an external party, namely LoanCare ( it says it right there in the transaction description ). My bank is blocking LoanCare and reimbursing me for the amount that LoanCare claims not to have.
Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.
I requested a bill to be paid through bill pay that was to reach the vendor by XX/XX/XXXX in the amount of {$460.00}. The company deducted that money from my account but the vendor never received the check and no one has presented the check to cash. The check is floating in limbo somewhere, no one has cashed it, and yet the bill pay company has taken {$460.00} from my account. How is this legal? How is a bank allowed to take money from my account before a check is even presented for payment? 

In discussing this with the vendor, ( on XX/XX/XXXX ) I discovered that the bill pay company bundles checks to vendors in the same envelope and that the bill pay company often bundles his checks in with another business ( pool company ) that has a P.O. Box close to his. 

I find it outrageous that the bank/bill pay company can take my money without actually getting the check to the vendor. I called Charles Scwhab ( XX/XX/XXXX ) and they were able to confirm with their bill pay company that they do indeed bundle checks and that checks to the wrong vendor could be bundled together. 

But my main complaint is that the bill pay company used to send this vendor a draft check which was cashed when he received it. Out of nowhere and certainly without my approval, the bill pay company started using ACH online payments, and as discussed, deducting the payment when they assumed he would receive the check. That is a lot of float this institution is benefiting from at my expense.
I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.
Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
I disputed the information to verify showing that the account was mine  XXXX  times. The results never came back as verified in my rights is that the account suppose to be deleted off my credit report.
Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.
This is about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.
1. Consumer contacted on XXXX XXXX for a billing which was rendered less than XXXX days ago XXXX XXXX, 2015. 2. Customer paid half the billing without even allowed to review it. Address change and move to new address happened on XXXX XXXX, 2015. 3. Agency was given new address and consumer still has not received billing. Agency refused to identify its license number or forward calls to upper management or give email address for complaint and resolution. Credit Management Associates advised that the invoicing would be stayed for XXXX days and this has not happened as of XXXX, Full name of all management personnel refused access. Violation of and inappropriate contact for a {$68.00} with which {$34.00} was paid pending receipt of invoice. Collection Personnel not allowing access or refusing to take message is XXXX XXXX. Mgr who does not take calls are XXXX XXXX and president who does not answer or take calls is XXXX XXXX.
I PREVIOUSLY COMPLAINED ABOUT AES REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( AES IS REPORTING AS AES ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY AES IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM AES DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM AES.
Credit management control {$290.00} was from XXXX at XXXX hospital my insurance at time ask for 3 different amounts for different doctors my employer paid off there credit card up front. I have receipts still and I have given to 2 other collection company when I disputed in past. They took off and put all 5 accounts back on credit under difficulty companies names. 
Then credit tanks. 
Other amounts for credit management control are {$300.00} and {$540.00}. 
They were paid by employer for same XXXX. Had to pay up front paused in full. 
And with XXXX XXXX XXXX same insurance requires co-pay had to pay before seen a doctor {$10.00} and {$13.00}. 
Paid in full at time of service.
Today I tried calling equifax to dispute items on my credit report and the Representative refused to dispute and item as requested I was told that the only items that I can dispute on my credit report was negative items that I was unable to dispute anything else. I was also told that Equifax had laws that prevented me from doing so. When I asked to speak to a supervisor she also refused to dispute the item. I told them both that it was my right under the FCRA told dispute what ever I felt was incorrect on my credit Report and they both refused when I told them they were breaking the law and violating my rights they both didnt seem to understand that. I called back to complain the person who took that call was clueless as well I disputed items with XXXX  and XXXX  today without a problem. Ive also requested a credit report from Equifax and never received it. And I was unable to file my dispute over the phone I was told to do it online.
Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX XXXX  nor transunion is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. Thank you!
XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?
Equifax indicated they believe my personal information has been stolen as of XX/XX/XXXX.
Earlier this year I found out my personal information was involved in a large data breach from Equifax, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
Several certified letters was sent to this company in  XXXX     2017 wi th no response. I was never contacted or signed anything to release my medical information to this company. This is a Hipaa violation according to law.
Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA. 
Disputed items : XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX XXXX XXXX ref #  XXXX XXXX XXXX XXXXXXXX Ref #  XXXX XXXX XXXX XXXX Ref # XXXX XXXX XXXX XXXX Ref # XXXX
On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!
XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
SERVERAL ADDRESSES WERE INCORRECT ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THESE ADDRESSES. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.