WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.
I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX
Contacted Wells Fargo to recast loan on morning of XX/XX/XXXX. 

Was told that loan qualified for recast. Was told someone would call me back in " 24 hours '' No call back on afternoon of 1st day ( XX/XX/XXXX ) or morning of second day ( XX/XX/XXXX ). Called back on afternoon of XX/XX/XXXX and asked to speak to supervisor. Supervisor offered no explanation why Wells Fargo did not return call. Told I would get call back in another " 24 hours '', extending original window from " 24 hours '' to " 48 hours. '' No call back by afternoon of XX/XX/XXXX - more than 48 hours total elapsed. 

If loan qualifies, recast process should start immediately. I have n't even been told how we start process and it 's been over 48 hours.
Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.
This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify. 
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX,
back in 2013 hired lawyer to help with my mortgage co. they were claiming me ( home ) as a trustee sale ( as of I paid my mortgage on time and certified usps just to make sure my paymants made it safely. I hired XXXX XXXX XXXX in XXXX XXXX, ca they made me claim bankruptcy and took my case I told them i was XXXX XXXX in my family and budget tight he charged {$5000.00} plus {$850.00} bankruptcy and said it would take 60 to 90 days but was not resolved mortgage co agreed with law firm but I did not because they were carging me with foreclosure fees. so lawyer advised to not pay until resolved and it was not now mortgage co which is now different co. is foreclosing me
A LOT OF FALSE INQUIRES FROM THE FOLLOWING COMPANY XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX   AND XXXX AND XXXX
Called XXXX XXXX numerous times regarding incorrect reporting on credit reports. On XXXX XXXX 2016 XXXX XXXX accepted a payment proposal and enrolled my account in the XXXX XXXX agreeing to lower my interest rate, wave any past due, over-limit, and membership fees. My account was reported 30 days past due for XXXX 2016 and XXXX 2016. This is inaccurate. I called in XXXX to ensure that this issue was corrected. XXXX XXXX stated that it took XXXX billing cycles to correct the issue of not properly enrolling me in the program as agreed in addition to honoring the proposal that they agreed to in writing dated XXXX XXXX 2016. XXXX XXXX accepted proposals on both of my active credit cards with this company. The second credit card ending in XXXX did not have any issues however, the card ending in XXXX has been an issue that XXXX XXXX unfairly refuses to correct. For years I have been a customer paying my accounts and maintaining a good credit standing. XXXX XXXX XXXX company has made timely payments on behalf since XXXX XXXX agreed to the proposal. I have made additional payments on this account in addition to the monthly reoccurring payment. On XXXX XXXX 2016, approx. XXXX XXXX, I called XXXX XXXX and spoke with a representative by the name of XXXX. XXXX informed me that my account ending in XXXX was still showing pending of enrollment into the Workout program due to reoccurring system issues. She stated that someone should have informed me that I was to make double payments, payments submitted by XXXX XXXX XXXX Company and additional payments on my own to satisfy full payments until the system issue corrects itself. This did not make any sense to me. I would like to reiterate, XXXX XXXX accepted XXXX proposals for XXXX of my credit cards. The credit card proposal for account ending in XXXX was accepted and approved on XXXX XXXX 2016, this is the inaccurate account and the account that XXXX XXXX can not seem to correct. On XXXX XXXX 2016, my credit card ending in XXXX was accepted and approved with no issues. XXXX enrolled my account ending in XXXX into a XXXX Program to help suppress the late fees that XXXX XXXX placed on my account. XXXX state that I would need to write a letter to XXXX XXXX requesting removal of the 30 day late notices, XXXX in XXXX 2016 and XXXX in XXXX 2016 from the XXXX major credit bureaus. I wrote a letter dated XXXX XXXX 2016 to XXXX XXXX with this request. In a letter dated XXXX XXXX 2016 XXXX XXXX refused to correct my credit status. The letter states " we are unable to change our reporting on a courtesy basis. Also, we have placed a disagreement code with a resolution of dispute on your credit file to the major credit reporting agencies. '
I am a previous victim of identity theft in XXXX. It took over XXXX hours of my time to get it cleared. 

I do not want to go thru that again. 

To protect myself from damage resulting from Equifax losing my most sensitive data, I am freezing all my credit reports. 

Equifax did not charge to freeze my credit XXXX wise of them XXXX. XXXX also did not charge. However I was charged {$10.00} to freeze XXXX. I 'm still trying to freeze XXXX but expect that to be another {$10.00}.
My federal student loans have been mishandled by my loan servicer, Fedloan Servicing, resulting in an inappropriate interest capitalization of {$50000.00} applied to my principal balance in XXXX XXXX. I request that this sum be removed from my principal balance. As a result of this error approximately {$10000.00} excess interest has accrued on my account as of XXXX XXXX, XXXX. 

Background : I am enrolled in an Income Driven Repayment ( IDR ) program facilitated through the Department of Education in conjunction with my loan servicer, Fedloan Servicing. Under the umbrella of IDR, I am enrolled in the specific loan repayment program known as Income Based Repayment ( IBR ). Income Based Repayment allows me to make reduced payments, relative to the standard 10-year loan repayment, based on my income. An additional benefit of IBR relates to the method in which interest accrues upon my loan balance. If my payments are on time and I remain enrolled in IBR by accurately completing an annual application, then interest remains in a separate balance and does not capitalize directly upon my principal balance. In other words, my principal loan balance will remain static even if my loan payments are not large enough to pay down the principal balance. Instead, the balance of my accrued interest will increase. 

In XXXX of XXXX I applied for my annual IBR renewal and submitted the requisite documentation of my income which included an earnings record from a non-profit employer. This documentation of income was rejected by Fedloan Servicing because " gross income could not be calculated '' and I was issued a rejection letter. I contacted Fedloan Servicing to inquire why this error occurred. Representatives cited the lack of a payment frequency ( i.e weekly, bi-weekly, monthly, etc. ) on my earnings record. As a result of rejection, I was billed at a level consistent with a standard-10-year-repayment plan ( ~ $ XXXX ) and my interest ( ~ $ XXXX ) capitalized upon my principal loan balance When I was notified of my rejection, I informed Fedloan Servicing that the payment frequency was, in fact, documented on the earnings record. Fedloan Servicing subsequently admitted fault and processed a refund from the Dept. of Treasury in the amount of {$3000.00} on XXXX XXXX, XXXX for the erroneous standard-10-year-loan-repayment. This documentation is verified by internal records at Fedloan Servicing. 

Fed loan servicing also verified culpability by processing an 'administrative forbearance ' which is supposed to prevent interest capitalization. This forbearance was also not processed correctly and the interest capitalization was not corrected. 

Overall, I find Fedloan Servicing 's handling of my loans to be egregiously inept and even predatory in nature. I look forward to hearing back from your office regarding your opinion on this case. Please let me know if you need any additional information. Thank you in advance for your help. 

I have supporting documentation ( letters from FLS, bank statements, phone call documentation ) that corroborates my claim.
{$430.00} of payments missing and {$1100.00} of deposits listed as payments in transactions downloaded to accounting software? Told it would be resolved on XX/XX/XXXX. Called on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. Emailed on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. 

They are charging monthly fee but this problem has persisted for 2+ weeks
i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX
I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing.
I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.
I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Bank Of America let the checks be deposited without checking signatures or placing any type of holds.
This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
In XXXX of XXXX I lost my job and fell behind on alot of my accounts. Finally on XXXX XXXX XXXX, I paid off all my accounts. On XXXX XXXX XXXX Synchrony Bank sent me a letter stating that they were closing my Care Credit account basing their information on a XXXX XXXX XXXX Credit report which would have been outdated at the time. This does not seem fair.
I have proof of more harassment by Equifax employees. I have previously reported, in at least 3 separate complaints to the CFPB different incidents regarding Equifax and my credit report. I have proof that they have tried to botch my credit report to prevent me from obtaining credit, which may have played a role in a recent credit denial I received. This has caused monetary loss, as well as pain and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail. I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some point. <P/>To begin, Equifax has added to three different accounts a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done about this already. Since when can they add a consumer statement that is n't from the consumer? It 's clear in black in white that the statement they 've added is even gone so far as to be in third person. Saying " consumer disputes this information ''. Which means they are clearly writing on BEHALF of me without my permission. Please ask Equifax where the records are of me asking them to write " consumer disputes this information '' on all the accounts they 've placed it on. What concerns me the most is that they 've added this statement to an account in good standing, in which I 've never had any issues with. It is my understanding that if something is under a dispute it will not show on a credit report. If this is the case with this, legal action should be taken, or something absolutely should be done. This would prove that they are trying to prevent positive/accurate information from showing on a credit report by their own statements they 've added. I did n't add the statement, they did. It 's even in third person, it ca n't be denied. Even if it is still showing on my credit report and I 'm mistaken, that makes it seem like the information on that account is incorrect or something is not right about it. This is not the case. One last time, I would swear under penalty of perjury that I have NEVER disputed the information on this XXXX XXXX account. Nor have I added any statement to it. They added this statement without my permission. <P/>Please ask them where they got this information from. Please do something about this. They need to remove all 3 instances of this from my credit report, because they have no right to add any consumer statement without my permission. They do not have my permission to add any consumer statements that they wrote. Only statements that I have submitted MYSELF, written MYSELF, and asked to be put as a statement MYSELF. I 've attached a screenshot of my online report. In addition this statement also showed on the paper report mailed to me, which is how I first found out about it.
I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.
Keep calling with a very aggressive tone, I stated I would try to make a payment when I can and now they are still calling and threatening me.
My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.
Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.
As of XX/XX/2018, as I was checking my credit report and noticed I have a thin record. Shows my credit score is low and a description of " Having less than XXXX accounts can make you look riskier ''. Recommends which credit card to apply for and then when I went to just to apply for XXXX of the cards. My result was denied. I feel as though it was falsely advertised and now my credit score went a few XXXX   down. Even if the bottom says its from a XXXX party. Experian is still partially responsible for the advertisement.