WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying since XX/XX/2018 to get my loans recertified for an income-based repayment program, and due to errors by the servicer ( XXXX ), my recertification was delayed, and now, I have been placed into an inappropriate repayment plan. 

My recertification request, with my tax return and my spouse 's tax information, was submitted on XX/XX/18 ; after a request for additional income documentation on XX/XX/18, I provided that information the same day. 

On XX/XX/2018, I was notified that my request could not be processed, and on XX/XX/2018, I received a letter informing me that the issue with processing my recertification request was because my tax return had not been provided. I called XXXX, and after a discussion with Customer Service, it was agreed that my tax return had already been provided and that my application would be sent back for review. 

Despite repeated attempts to check on the status of my recertification, it took weeks longer for my recertification to be processed, and on XX/XX/2018, I learned of a new issue. My recertification was approved, however, after it was determined that I did not qualify for the repayment plan that I requested, and rather than placing me into a repayment plan with the next lowest payment ( IBR ), I was placed into REPAYE, which because it includesmy spouse 's income in its calculations, will increase my payments by approximately {$850.00} higher than IBR, the lowest repayment plan I qualify for. 

Per the XXXX representative I spoke with, my only option was to start the process over again with a new recertification application ; even though they had failed to follow the instructions of the program requirements of placing me in the lowest repayment plan I qualify for ( since I did not qualify for the one requested ). 

Unless I pay more than I should be having to pay, I will now be losing the ability to make qualifying payments for at least the next month, if not longer. There have been repeated errors and delays with the processing of my recertification.
To Whom I t May Con cern, I am writing to this office becaus e two years ago I discovered that my mother had taken out a private student loan in my name   through   XXXX   XXXX   more than 10 years ago. It was a {$5000.00} loan that has ballooned to almost {$20000.00} now. This is the ONLY private loan on my record because I was always diligent to never take out a private loan because of their high interest rates.     My loan has been repeatedly sold to different collection agencies and I constantly explain to them over and over what happened. Each agent would advise me to get a police record but I did not want to do that for several reasons :  1. The statue of limitations 2. It 's my mother 3. My  mother was diagnosed with  XXXX   XXXX  in  XXXX  and can not be held liable for anything. Unfortunately to make it even worse she just passed away in   XXXX   XXXX  .     I want to get this off of my record and I want these  collectors to  stop calling me but I do n't know what to do.I filed a Chapter  XXXX  bankruptcy in   XXXX  . I think Navient now holds this loan. I would employ a lawyer but I ca n't affor d one. Can  someone from this office help me?
On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.
On XX/XX/XXXX, my husband & I filed a Chapter XXXX bankruptcy. My mortgage was not included. At that time, XXXX sold my mortgage to XXXX who reported my payments to the credit bureaus every month, but as being late even though it was n't. Then they reported that my last payment to them was XX/XX/XXXX, which was 1 month prior to completing my 5 year BK and in XX/XX/XXXX I was sold to XXXX XXXX XXXX. XXXX did not report any payments for the 6 months they held my mortgage. said my $ was in a suspence account because they needed more documents from XXXX. I only found out about this because I was denied a HARP loan for nonpayments. When I asked XXXX for a payment history, as I was told if I got one XXXX XXXX would accept that and I could do the HARP, they sold my loan to Ditech. Ditech has not reported one payment and although my BK has been discharged, they will not take me out of their bankruptcy department. These companies have been taking my $ for 16 months and not reporting them, worse yet they are not applying them to my loan. This not only has ruined my chance of repairing my credit, but has kept me from refinancing to lower my interest rates. I can not get away from them. They are stealing my payments. Ditech told me that XXXX XXXX XXXX no longer exists, but when I call their phone #, they answer " Ditech ''. I believe my loan is being sold for profit and they are all connected in some way. Please help me. My husband has since passed, leaving me to figure this out. I 'm preparing for retirement and they have taken my life 's investment from me. I 've sent them a copy of every check, which shows dates, amounts and who cashed them. I. Have not missed a payment or been late. My bank has a record of every check. They leave me on hold. One time was 3 1/2 hours only to tell me it 'll be fixed in 48 hours. I 've been waiting over 7 more months with Ditech.
We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire attorney.
I have paid all the amount i have received a document saying my debt was cleared they did a wage garnishment again on my bank
There was a collection call from : Bonneville Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

I was not notified that the call was an attempt to collect a debt. I recorded the call. The woman on the phone did not indicate that it was an attempt to collect on a debt prior to asking me private information. She was harassing me asking if I had a daughter named XXXX. I was not in Utah during the time the debt was incurred and the bill was in my name with a fraudulent address. I questioned the validity of debt but got no where and the caller made threats of making repeated calls in a rude an abrasive manner.
On ( XX/XX/2018 ) I get back a response requesting an " Affidavit of Fraud Letter '' that it to be filled out, notarized and sent back to them. The Federal Law says, " the burden of proof '' is on " Security Credit Services ''. It's been more than ( 30 ) days. 

Security Credit Services # XXXX XXXX XXXX XXXX, XXXX , MS. XXXX XXXX File : # XXXX Account : Original Creditor XXXX XXXX ( Rental/Leasing ) Please send me all the information of this alleged debt as to, 1. When did this ( alleged ) debt occur? 
2. What was purchased ( s )?

As required by Federal Law, Fair Credit Reporting Act, the following requirement of the credit bureau, 15 U.S. Code, Section 1681i - Procedure in case of disputed accuracy, said ( adverse account ) is extremely injurious to my credit report, please delete this item off my credit ( XXXX, XXXX and XXXX  ) reports ASAP. 

DO NOT DISREGARD THIS LETTER! 

If you are planning to continue to press this alleged debt ( if not ) rebutted within ( 30 ) thirty days by written response following your receipt of this letter, I will presume your alleged debt to be incorrect and will enforce my Rights against any government agency or person who would violate ( i.e., seizure, levy, lien, etc. ) my Rights willfully or out of ignorance of the Law. 

Failure to verify on my written request will constitute an unfair or deceptive trade practice subjecting your agency to civil damages of up to {$1000.00} and attorney fees, and/or Federal Trade Commission action for penalties of up to {$10000.00} per violation per day. 

I have examined the statement of fact presented in this letter to the best of my knowledge and belief, is true, correct and complete. A denial of Due Process will be deemed an act of conspiracy and conversion. Please forward me a copy my updated credit report. 

Sincerely, ________________________________ XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, MD XXXXXXXX
I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.
I have spoken to several representative in both escalations as well as customer relation as well as customer service. I am extremely disappointed in the issues I have been having since I was just transferred to Mr. Cooper. It seems that each representative has their own different interpretation of the Mr. Cooper Transfer Guarantee that I find to be a very disturbing. I have spoken to several teams members, who say they have made notes on my account. My account was official transferred to Mr. Cooper on XX/XX/XXXX. I arrived back in the country from my XXXX/XXXX XXXX Vacation While on my vacation, my mother sent a payment to my mortgage holder. When I came back and found out about the transfer I had my mother cancel payment. I was told by a representative with Mr. Cooper that I could have an investigation started in which I declined because my mother canceled payment. I gave the wrong payment account, however, I was advised that the XX/XX/XXXX, and XX/XX/XXXX would not be reported delinquent, access late fees due to the transfer, messages relayed to me, and then of course the Mr. Cooper Guranteed. 

I was very disappointed to receive that a verification of mortgage was sent stating that XX/XX/XXXX and XX/XX/XXXX was delinquent. I was promised that I was not delinquent and if I made payment by XX/XX/XXXX ( in which I made two payments ).
Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.
I PAID THE DEBT SO THAT IT WILL BE TAKEN OFF MY CREDIT REPORT. DEBT DOES NOT BELONG TO ME
I was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.
My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of fraud.
My name is XXXX XXXX SSN : XXXX. RECENTLY Capital one closed my accounts ending in : XXXX XXXX XXXX DESPITE ALL OF THE REASONS BELOW NONE OF THE REPRESENTATIVES COULD HUMANIZE WITH ME EVEN THOUGH I HAVE AN OUTSTANDING HISTORY WITH CAPITAL ONE : I have had this capital one account for over 3 years. I added my family as authorized users. I verified 9 out of 11 accounts. They shut down my accounts and I have been a good paying loyal customer for years. I am very upset about how they did business with me I have never missed a single payment but they shut down my account for me adding my family as authorized users. I COULDNT GET IN CONTACT WITH 2 OF THE PEOPLE LISTED. NOW THIS IS RUINING MY REPUTATION. 

IF MY ACCOUNTS ARE NOT REINSTATED I AM GOING TO FILE COMPLAINTS WITH THE BETTER BUSINESS BUREAUS, FTC, AND ETC. I DONT WANT TO DO THOSE THINGS SO I AM GIVING YOU GUYS AN OPPORTUNITY TO HEAR ME OUT. THIS HAS AFFECTED MY CREDIT SCORE. THESE ACCOUNTS NEED TO BE FIXED IMMEDIATELY. 

XXXX TELL THE CEO OF HOW THE LOWER REPS ARE TREATING LOYAL CUSTOMERS.
WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. 

I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.
On XX/XX/2017 my credit report was pulled in a result of a hard inquiry That I did not authorize.
XXXX/XXXX has gone from last late of XXXX on a charged off account with a XXXX balance to a last late of XXXX and now with a {$11000.00} balance on a charged off account from 2011. This is unfairly ruining my ability to use my credit.
I received a call from XXXX x XXXX at DiTech Financial on XX/XX/2017 at XXXX. He called to ask me, " how things were going. '' I advised him that I was n't sure what the purpose of this call was but should n't you be the one telling me how things were going? He had no explanation for the call. I told him the reason for this call since I 've never received calls back from him despite the dozens and dozens of messages I left for him was the complaint filed by me. He stated, " yes, that was the reason '' even though he had no information to give me. He put me on hold for several minutes so he could speak with his manager. When he returned, he stated, " my manager has no information to give you. '' I again told him that I really did n't know what the purpose of the call was other than to waste my time. I asked him to make sure his notes on my account for this call reflected just that!
Capital one credit card is making fraudulent charges on my card. I was enrolled in auto pay for years, suddenly on the month there was fraudulent charges, the auto pay was not taken by the bank. Then they stack fees and interest. I received no phone call, e-mail or mail, until there was several charges, then when I did call, was told they would take off the erroneous charges, along with making sure it did not show up on credit report. I have written 4 letters to get the 30 day off my credit and they have not. When you look at the statements there are many erroneous charges that cont., they have charges on the statement for XXXX of XXXX-showing charges for XX/XX/2017. There are missing pieces to the statements, unexplained items, and missing data. I have statements, and excell spread sheet to prove the fraudulent activity being done by Capitol One, it is obvious they are doing this on purpose. There needs to be a class action lawsuit and Capital one needs to be held accountable. I just want the one and only one 30 day late on my perfect credit score OFF!
Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in XXXX 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license XXXX/XXXX/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today XXXX/XXXX/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have not heard from him. ' I told him that it should be his responsibility to contact me and to tell me where my loan status is at. I felt as if I was mistreated, misleaded with my application and loan status maybe because my credit was n't the best and he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has XXXX credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. 

Company : Amerisave Mortgage
I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.
XXXX   XXXX  charged and sent me to collections over equiptment that was returned. The employee assured me my credit would be updated and after several attempts it still remains. I even paid the bill in effort to get this taken off.
I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX   XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.