WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX, XXXX, I paid my student loan in full in the amount of {$2400.00}. By letter dated XXXX XXXX, XXXX, I was advised by XXXX XXXX / American Education Services : " Congratulations! This letter is to inform you that the loan ( s ) on the reverse side of this letter is paid in full? No further payments are required on this loan ( s ). '' Notwithstanding the above, on or about XXXX XXXX, XXXX, I received a voicemail from a representative of American Education Services indicating that there " was a problem with [ my ] account and that I should contact [ him ] as soon as possible. '' Despite my immediate return phone call and voicemail message, I did not receive any further correspondence until XXXX XXXX, at which time I received an invoice indicating that I now have a current balance on my account of {$6200.00}. Shockingly, no information was ever provided to me, and it is my understanding that - without my knowledge - interest was accumulating on this " closed '' account during this time period as well. It is my understanding that payments may have been misapplied by XXXX XXXX / AES, for which XXXX / AES now claims that I have the aforementioned balance on my account. Upon speaking with XXXX representatives of AES on XXXX XXXX, I was informed that " [ I ] was never sent a letter confirming my payoff of the above account '' and, to my disbelief, was advised that no mistake had even occurred. Upon speaking with a supervisor, I was informed that a mistake had in fact occurred, however, XXXX / AES had only discovered same XX/XX/XXXX - my investigation reveals that this information was not truthful or accurate. Despite my letter to AES of XXXX XXXX, XXXX, I still have never received any explanation of what transpired, any correspondence in this regard, or even the courtesy of an apology.
I am currently trying to get a mortgage and am legally XXXX on limited XXXX income. I monitor my credit reports as often as I can and recently I have been locked out of XXXX XXXXXXXX XXXX because they claim I am enrolled in some sort of credit monitoring services and until I pay what they claim is due, I can not access my credit or scores. In fact, XXXX has been helpful in giving me a good idea about what is being reported at Experian for a long time but now suddenly, they are not able to access any information on me either. I am attaching the message I get when I try and do so. 
Also, I was denied credit this week because they could not find any credit on me with Experian which is impossible. 
I have attempted to call them on the phone and have been on hold for 45 min or more and then disconnected.
I am unable to dispute or verify any information with Experian at all and they are causing me extreme financial hardship because unless I resolve this with Experian immediately, a house I am trying to buy will not be available and I have to move within a month. 
PLEASE help me!! Why and how can they do this to me?
In XXXX 2015, I entered a debt relief program with XXXX XXXX XXXX. A POA signed by me was sent by XXXX to Umpqua Bank, one of my credit card creditors. Contact address and telephone number for XXXX was given to Umpqua. During XX/XX/XXXX, I was contacted at least XXXX times by ELAN, a company that represents Umpqua, and informed them that XXXX was handling the matter. In one call, the ELAN employee even gave the XXXX phone number to me, evidencing the fact that Umpqua had so informed them. After threatening a complaint to the FTC and AG, on XXXX XXXX, I received a call from XXXX XXXX, a supervisor at ELAN who promised I would receive no further calls. Despite that promise, and after giving him XXXX 's address and phone number, I received another call from ELAN on XXXX XXXX, and again today, XXXX XXXX, from an employee named XXXX. XXXX claimed they never got a POA from XXXX, although Umpqua, its principal certainly did. XXXX 's number at ELAN is ( XXXX ) XXXX, and address is Cardmember Services, Att'n : Support, XXXX XXXX XXXX, XXXX XXXX , MO XXXX. After speaking to XXXX, I called XXXX XXXX XXXX XXXX XXXX, and was told that ELAN did have their address and telephone number and had been contacted by XXXX and told they represented me. 

ELAN 's repeated calls to me are a clear violation of the Fair Debt Collection Practices Act. I am enrolled with XXXX because they have determined that I am eligible for the debt relief program in light of the hardship created in the last few years by the expenses for XXXX, XXXX XXXX, XXXX XXXX, my substantial drop off in income over the last XXXX years due to the economy. Yet ELAN apparently thinks it can harass me despite this program and the law. 

ELAN/Umpqua should be dealing with XXXX and they know it. I can only guess that they hope to harass me into dropping out of this compassionate program. Please investigate, and if you determine I am correct, fine or otherwise penalize them so that they will no longer do this to me or any other consumer.
I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.
Capital one has harassed me i told them many times that i had fraud charges on my account. the account was closed back in 2014. they were to remove the fraud charges but never did. after many many calls we got nowhere. they then tried to sue me for this debt for XXXX i was served with legal paper. this company was a joke they have made my life a nightmare. after all this i refused to pay a debt that was not mine but my wife offered to pay it and i refuse. She said she wanted to just be done with this so she called capital one many times they assured her once the debt was paid it would be a XXXX balance. she settled the debt for XXXX i believe, they promised her due to the fraud charges they would put the debt to XXXX dollars. and after everything they put us through you think they would stick to their word. They did not. this debt is still on my credit report and its still showing that i owe them when in fact i dont.
I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )
Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
It is absolutely ridiculous that I am being harassed by this company. I was called on XX/XX/XXXX and would not even be given any information about why I was getting this call. The only thing they would tell me was that I was put down as a number for my mother. When I took down the contact information of who had called and told my mother, she informed me that it was a collection call, that I had, in fact, been put down as a character reference and not someone to contact, and that they were not allowed to be contacting for such a matter. My mother then filed a complaint due to the contact that this company had with me. I just got another call again today ( XX/XX/XXXX - less than three weeks later!! ) from this company, and when I told the woman that I was not to be called, I was treated quite curtly and frankly, rudely. I do not understand why this company thinks that they can harass family members MULTIPLE times, particularly when the law prohibits this. Saying " this is not a collection harassment call '' does not make it something other than exactly that. This company needs to be held responsible for its actions and treat its customers and family members with more respect than it currently does. I am thoroughly angry with the encounters I have had with this collection agency.
I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues.
Hello, My name is   XXXX   XXXX   and I applied for an American Express Gold Delta credit card on   XXXX    XXXX  2017. I signed up under a 40,000 welcome miles offer including a {$50.00} statement credit after on e Delta Purchase.  The terms of the offer stipulated that I make {$1000.00} of purchases in the first 3 months to receive the 40k miles. I also needed to make a Delta purchase within the first 3 months of any amount to receive the {$50.00} statement credit. I applied for the card in  XXXX  knowing that in  XXXX  I wanted to take a trip to DC with my husband while he was there on a work trip. I met the minimum spend requirement on  XX/XX/XXXX . This was well within the first three months of being approved of the card. The terms and conditions of the card and offer state that the bonus miles would be posted within 6-8 weeks. It is now  XX/XX/XXXX  more than 8 weeks after meeting the spend requirement. I have reached out to American Express numerous times with no concrete answers. I am told that there is a ticket that was opened  XX/XX/XXXX  in the back office for investigation ; however, I get no expected date of resolution and I get no recourse on how to book my trip. On top of that I also made a Delta purchase that posted on  XX/XX/XXXX and I did not receive my {$50.00} statement credit. I really just want to get the miles and statement credit that were agreed to by both myself and American Express when I signed up for the card and American Express issued me the card. The customer service provided in the online chat feature and through the customer service number have provided no useful information on resolution steps or timeframe for resolution. Please help.
<P/>
V/r,   XXXX   XXXX
I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.
Hello, I 've been trying to pay off my student loans. Every month I pay about XXXX extra on my highest interest loan. I always check the " do not advance due date '' check box. For months, this has allowed me to make the payment for the month and apply the rest of the payment to principle. Yet, when I made my payment this month, I logged in and found out that I still was expected to pay my payment for the month again. I called to talk to a representative and she said that " They have no explanation why the payment system is not working correctly ''. She also said " it 's being " wonky '' this month '' and could give no further explanation. 
She then said I should pay my payment again this month ( while having no explanation as to how this would affect my interest accrued ) or that I could have my payment deferred into the next month because the system was being wonky. 

I do n't feel that this is an adequate explanation and I have no reassurance that my payments are being applied correctly. If I had n't logged in early this month I would have had to pay additional interest and penalties. 

It 's not my job to debug their IT systems and I would like an explanation and some reassurance that my account is n't being overcharged. I also do n't feel I should have to constantly log in to make sure that their system is n't being " wonky '' and making me make additional payments that I do n't owe. She also tried to blame it on me for checking the " due not advance due date '' checkbox, but that still means I 'm making the payment for the month. It just does n't apply it 3-4 months out when I pay extra towards the loan. 


Thanks.
We applied for an FHA refinance with Wells Fargo in XXXX 2016. The loan was approved, and we anticipated closing in XX/XX/XXXX. They send they could not close the loan in XX/XX/XXXX and charged us a rate lock extension fee. We then anticipated closing some time in XX/XX/XXXX, they again could not comply with this and charged us a additional rate lock extension fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We now have a letter from them with over {$7000.00} in rate lock extension fees and still no anticipated settlement date. We have been calling, e-mailing, regular mailing them and they have not responded in any way except to send additional rate lock fee extension agreements. We are now trying to have a new lender provide the mortgage but need the FHA appraisal assigned to them. Our loan officer at Wells Fargo has stopped communicating with us. We have tried calling, e-mailing, and mailing our loan officer, his processor, his supervisor and have received no response. We requested in writing that they assign the FHA appraisal to a new lender and they have not responded.
When PennyMac bought our loan they did n't accept bi-monthly payments like our previous company. We were not notified of this until we called about fees we were being charged. So it showed as late payments. Then we were offered a modification. When it was explained to us, they told us not to make payments certain months and then make partial payments other months. We were told that once the modification was finalized that all negative markings would be wiped off of our credit report. We were told the loan would be shown in good standing with no blimishes. They show the loan in good standing but all of the negative reported is still on our credit report. It is still effecting our credit score 4 years later and they continue to say they ca n't help.
Closed online account more than a year ago, due to identity theft of financial and personal information. On today requested online setup to learn that several transactions do not appear online nor on bank statements. Placed a call to First Citizens Bank online speaking with XXXX, XXXX, and XXXX to only receive partial but haste and incomplete information regarding account information for Routing XXXX XXXX. Please see attachment of proof that a deposit from the IRS and SC Department of Revenue are in question.
I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.
RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.
1. county taxes went up. 
2. insurance went up. 

escrowed mortgage payments went DOWN (??? ), and since I 've dealt with ocwen they have yet to actually service my mortgage, I service my mortgage through ocwen who tries to steal my home by hook or by crook. 

PLEASE SHUT OCWEN DOWN. 

I 've submitted an escrow analysis, but without help from CFPD & the states attorney general, I 'm dead in the water. ( meaning I have n't the 40+ hours in a month for XXXX XXXX XXXX & the fear of losing my house & incompetent service representatives. )
I want to get information on the credit union I had a car loan with .My payments on my mail did not reflect the payments towards my vehicle at the time of my lease. The amount own on the vehicle still reflected the buyer amount from 3 years prior.I fully did not understand the conditions of the loan if it was only a 60 month loan to pay the car off.My car was also taken back from the credit union and returned to me but still stated on my credit report repo.
I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.
Completed and submitted a Making Home Affordable application with lender Green Tree Servicing. Attempted to contact Green Tree/Lender by phone and email on several occasions, leaving messages each time and have never heard back from them other than to send a letter stating they denied my application. There is additional information concerning the application that I have been unable to convey to them due to their lack of communication concerning the application. Now a " Notice of Trustee 's Sale '' on date XXXX/XXXX/15 has arrived on my front door. Green Tree/Lender does n't appear to be interested in anything but foreclosure. Assistance would be appreciated.
I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   XXXX   XXXX   XXXX ,  XXXX .
A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.
ON XX/XX/2017 XXXX XXXX XXXX XXXX PLACED AN ACCOUNT ON MY CREDIT REPORT.  I FOUND OUT THAT IT IS ILLEGAL FOR XXXX XXXX TO OPERATE IN MY STATE AFTER THEY DEBTED MY CHECKING ACCOUNT WITHOUT CONSENT ON XX/XX/XXXX. IN ADDITION THEIR COLLECTION AGENCY XXXX ALSO CANNOT OPERATE LEGALLY IN MY STATE ACCORDING TO THE CODE IN MY STATE OF VIRGINIA va 6.2-1501 AND va 6.2-1541.  I DO NOT PLAN TO PAY XXXX XXXX  ANYMORE FUNDS AS I HAVE PAID XXXX EVERY MONTH FOR FIVE MONTHS; WHICH COVERED THE PRINCIPAL OF THE LOAN.
FUTHERMORE AFTER REACHING OUT TO XXXX XXXX TO REVOKE THE ACH DRAFTS FROM MY ACCOUNT  AND RECIEVING CONFIRMATION VIA EMAIL THAT THEY WOULD CEASE DRAFTS, THEY CONTINUED TO MAKE ANOTHER DRAFT FROM MY ACCOUNT CAUSING OVERDRAFT FEES AND STOP PAYMENT FEES.
I have XXXX accounts that are reporting on my trans union report that are not mine XXXX XXXX infinity XXXX XXXX accounts are not mine have them removed from my report
Charles Schwab informed me last week -- out of the blue -- that they were closing my brokerage account, my IRA and my checking accounts. This is the fourth bank to close my accounts without giving me reasons why. I have had this happen with XXXX, XXXX XXXX and XXXX XXXX, too. This problem goes back to around 2010. I NEED to know the cause of this.
I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
A man called me I asked who it was he refused to tell me so I refused to identify my self. He said I have to I 'd myself. I told him if he did not I 'd himself to stop calling my phone. The man said they will keep calling no matter what I say or do. I hung up and looked the number up online it 's a company called agt. This is a debt collection company.
A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me.