WillisBack/dataset-financial-user-claim huggingface dataset:
I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
I view and pay my bill online. The online system always showed my correct payment amount and that 's what I would pay. I decided to review my recent statement online when I noticed the total due was {$50.00} more than what was showing due online. I call to get a better understanding of what was going on. I was informed that when I first purchased the vehicle my 1st monthly payment would be deferred. Well apparently Hyundai Finance charged a NSF Fee of {$25.00}. I paid that at the time not realizing what the fee was for. Well now it 's happened again for the tune of {$50.00}. I call back and explain the only time I make a payment is online and it 's a one time payment. Not once has a payment been returned. I guess this is normal business practice for the mob. When buying the vehicle I had other lenders to choose from but figured that since Hyundai manufactures the vehicle they would be more streamlined in the financing of them. If you 're buying a new Hyundai and wonder how they get the MSRP down well now you know. It 's coming from the mob style tactics they use on the financing end of things.
One account being reported as two collections. XXXX/XXXX   XXXX  and XXXX XXXX XXXX ...
Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.
I was looking at my credit report tonight, through XXXX XXXX XXXX XXXX Tax Identity Monitoring and found a listing from XXXX XXXX XXXX in the amount of {$72.00}, opened XX/XX/XXXXand last reported on XX/XX/XXXX. I have no idea what this is from, as I have NEVER received any information about it over the phone, e-mail, or in the mail. I have read all kinds of complaints about this company. They are ruthless and unethical, even illegal. How can they still be in business?
I recieved in the mail a letter explaining that I qualified for a XXXX loan which could be paid back in installments instea of the next paycheck payoff. It was mailed to me on XXXX XXXX, XXXX offer stated that I was pre approved for $ XXXX and that the offer expired on XXXX XXXX, XXXX the letter state that this was not a payday loan. nowhere on the letter dose it state the interest rate or the length of time I would have to pay back the loan amount. It simply gave me the imprestion the loan would not have to be paid back the next pay period, rather I would be able to make payments. I was hesitant in getting involved with this with concerns that it would be a repeat event from a payday loan I took out for 5 days and ended up paying hundreds of dollars back. I did not want at all to get mixed up in that again. I was given a phone number to call XXXX I called the number and started the loan proccess. I spoke with someone who I can only assume was a representative of the company. she said lots of things about loan and about truth and lending but did n't disclose the interest It wasnt till after I accepted the loan offer was I made aware that the {$400.00} loan would be financed at over 600. % interest. and that if I were going to be making all the payments I would be paying {$200.00}. on each consecutive payday ( the XXXX unless its on a weekend ) until the loan was paid back totaling {$1900.00} or a onetime payment of {$600.00}. at this point I was taken back by this info and quickly put to paper the the XXXX found out that they are not charging the amount that the interest came to be they rounded down or something. If you ask me this is a payday loan.which they faulsly claimed to not be. even worse then a payday loan have they turned out to be. I am recieving social security XXXX XXXX.which before I pay for my medicare premiums so I get {$840.00}. directly deposited into my XXXX checking account as you can guess a {$600.00} hit would be very damageing for that current month.
I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.
We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.
XXXX, XXXX and Equifax has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to  purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) XXXX displays 1.XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX Via XXXX XXXX 4.XXXXXXXX XXXX via XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) Equifax, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  5.XXXX ( 3 ) XXXX. 1.XXXX XXXX XXXX 2.XXXX  XXXX  XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6 XXXX XXXX/XXXX XXXX XXXX 7.XXXX XXXX XXXX. 

I am XXXX, XXXX XXXX. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Applied  XXXX .   Opened  XXXX .   Got all paperwork  XXXX .   {$500.00} ACH from  XXXX  posted to WF XXXX   XXXX / XXXX / 17  no bonus triggered.   {$1.00} x  XXXX   XXXX  reload  (   XXXX / XXXX / 17  and  XXXX / XXXX /   17 )  posted  XXXX / XXXX / 17  no bonus triggered.   No bonus as of writing (  XXXX / XXXX / 17  ).   {$500.00} ACH from  XXXX  posted to  XXXX   XXXX / XXXX  /17  no bonus triggered.   Secured Message from Wells Fargo  XXXX / XXXX / 17  :  WF  XXXX  told me The {$250.00} credit will post after  XXXX / XXXX / 2017 .   No bonus as of writing (  XXXX / XXXX /   17 ).
We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of payment.
I requested a due date change to avoid additional late fees and negative marks on my credit and was told that it was approved on XXXX/XXXX/16 but was informed that it will not be approved on XXXX/XXXX/16. I also requested assistance when I was unable to make a payment.
Ok i call Experian to Dispute a bill that was fraud, that was done by my son so i agreed to pay it and the company agreed to take it off, i recieved a letter in writing stating it will no longer report on my credit, but in the meantime Experian concludes their finding ( investigation ) say that they contact the creditor our XX/XX/2018 to verify the debit was mine but i receive my letter of removal XXXX days prior to their finding, so are the credit bureau really investigation wrongful credit on people consumer report are they lying to you just to keep bad credit on your report, this is agonizing and very frustrating for a credit bureau to do a consumer like this.
I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.
I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.
Ocwen Loan Servicing is attempting to sell XXXX XXXX 's property at foreclosure sale despite the fact that Ocwen has not followed proper loss mitigation procedures. Ocwen has failed to send the Post Foreclosure Referral Notice required by Regulation X, 12 C.F.R. 1024.39 ( b ). Ocwen also failed to make the live contact required by Regulation X, 12 C.F.R. 1024.39 ( a ).
I have filed a complaint on XXXX where XXXX XXXX responded to the complaint and made several false statements. I have made previous complaints and XXXX XXXX always seems to respond to the complaint, odd. The company responded that it needed additional time for research but responded shortly after. XXXX XXXX refuses to address several of my claims in the complaint and gives several false statements during his response, more specifically ; XXXX XXXX states that the billing was compressed this is simply not true the last statement on the account was XXXX XXXX the same month the account was charged off I have proof of this. The company is in direct violation of the truth and lending act. The company continued to charge interest on a charged off loan without producing monthly statements. XXXX XXXX did state that every time I file a complaint that it would go directly to him. I do n't deserve to be harassed by XXXX XXXX. The company contacted me in XXXX with a cease and do not call on the account and a verbal request during the initial call not to call back. XXXX XXXX only addressed the XXXX XXXX call but not the Call in XXXX XXXX where I was told about their predatory lending practices by an employee. Also, the employee told me that I would be eligible for a payment plan or assistance at the 90 day mark and XXXX XXXX has promised XXXX in the past where he has lied to the CFPB because I was never given XXXX. My online account states that they have programs for me but nothing has been given or offered because of the companies false statements I have suffered financially. I have started the small claims process against the defendant and will name XXXX XXXX as a second defendant. I am a pro XXXX plaintiff. The company has charged interest on my XXXX extensions without getting my written consent or disclosing interest amounts to me. It seems as if XXXX XXXX has a personal vendetta against me.
I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back.
I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.
my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you
I submitted a complaint through this portal ( XXXX ) in regards to XXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.
My experience with Nationstar Mortgage has been a nightmare from the very beginning they purchased my loan from XXXX XXXX XXXX. XXXX XXXX XXXX was taking XXXX mortgage payment out of my checking account on the XXXX and the XXXX of each month only charging me {$4.00} additionally per withdrawal. I phoned Nationstar Mortgage to set this same type of payment plan up, was told I had to pay {$290.00} up front then they would take out XXXX a payment every two weeks to pay my mortgage off early. Which would have been great if I could afford to do, but not feasible for me and I could not understand why I had to pay them {$290.00} up front to get their payment. I then fell behind on my payments due to medical bills and other hardships, applied for a forbearance sometime last year only to be denied. I have asked them to do a 3 month deferment to try to get back on track so I can keep my home, but have only been told no to anything I have tried. I have tried forbearance, asked for deferment, asked about refinancing under a XXXX Loan, and even refinancing, was declined on all. When anyone calls me from Nationstar Mortgage it is always someone who can barely speak XXXX, they do not leave a message on my phone when I am unable to answer due to being at work. I have never experienced such a nightmare regarding a mortgage company. Nationstar Mortgage has called me on several occasions before XXXX and after XXXX. many times when they call they hang up without even speaking to me. They will call me and hang up as soon as I answer the phone. This is a nightmare and doing the best to keep my home which I owe far more than the home is worth.
The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.
I have lost faith in nationstar mortgage, after they baught out XXXX.natiinstar has constantly had misinformation, about my current loan.i was told i would get an escrow overage check in XXXX of over XXXX have not recieved said payment.i have talked to many reps at nationstar to date.ihave continually met a fight to get the correct information from any XXXX reps from nation star.i had submitted a complaint to nationstar about my principal payment being so low and my interest and escrow are way offset! at that time i have decided to withhold payments until i can get help on this issue.i requested a full ecrow printout, and a full payment history with nationstar.i am also going back to XXXX for the same information.i can not afford a private attorney.so here i am.i get no resolve from reps answers at nationstar, noone has the same dates, amounts, or basic information.i believe that they are in breach of basic contrct.die to misrepresentation of funds information, and basic accuracy of said mortgage information.
I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in XXXX XXXX in XXXX County,  New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.