WillisBack/dataset-financial-user-claim huggingface dataset:
1 ) Six of my loans with Navient recently had cancelled amount reflected on my XXXX account. When I checked my Navient account I noticed that these cancelled amount were reflected as refunds but also the amounts were inaccurate. For example, my XXXX  loan with Navient is loan # XXXX on my XXXX but when I look at the account history the {$870.00} cancelled amount is reflected as {$150.00}. Why I have no idea because those amounts do not even come close to matching. 
2 ) Another thing I noticed on my XXXX is that time that I was in a forbearance or deferment period Navient has late fees charged to my accounts. This issue is actually something I previously complained about being incorrectly reported on my Credit report, and even though that was cleared up they are still not reflecting on my actual account with Navient. 

3 ) When I requested that my account be review and I would provide documentation I was instructed via email to call customer service. I do not feel comfortable talking on the phone addressing these issues as I have told them in all of my communications with them, I believe having a paper trail with a company I do not trust is better than talking on a recorded line.
I called a bank to get information about rates and policies after an offer was accepted on a home that my wife and I were looking at. I liked the rates and costs that were presented to me by the loan officer, but however I was not ready to commit because my home inspection had not yet taken place. The loan officer then offered to get the loan process started and get my rate locked in with the condition that I would be able to cancel without charge if something turned up in the inspection. I agreed and got the process started. The condition that I would not be charged a fee if I canceled due to inspection issues was repeated to me on a recorded line. 

Our inspection took place a few days later and it turned up major issues such as a bad roof on the house and detached garage, high radon levels, old galvanized plumbing, water damage, and possible foundation issues. After a few days of negotiating with the sellers, we walked away from the deal because we were not able to come to a resolution. I called the bank to cancel the loan. I spoke with the loan officer about the need to cancel. He said to email him the inspection report and that everything will be taken care of. He also said that we should call him back when we found another home. I emailed the report as he requested and thought everything would be cleared up. 

A week later I saw a {$450.00} charge on my credit card by the bank. I called the loan officer back and he said he would escalate the issue to management. I emailed him another copy of the inspection as he requested and waited for the charge to be refunded. However, after 10 days no refund showed up. I called the loan officer back and left a voicemail. After a couple days of no response, I called the bank 's general number and requested to be transferred to a manager. I was finally able to speak to a manager who said he would look into things and would try to get the charge removed. He also stated that he would call me back the next day. However, I did not hear back from him, and still have not heard from him at all 1 week later. 

I called the loan officer again after not hearing from the manager. I managed to reach the loan officer. He said he thought it was taken care of and was surprised that the charge was n't cleared up. He said he would have his manager call me back within the hour. No one ever called. 

I emailed my loan officer again today with no response. So I am now filing a complaint to get this issue resolved.
Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}
I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.
On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account
This is in reference to a previously submitted complaint XXXXXXXXCDI Affiliated services resolution is to simply state that the account has been flagged as disputed on the consumer 's credit profile. That is not good enough. I insist they acknowledge that they as debt collectors fall under Idaho statute XXXX XXXX chapter XXXX and not under XXXX XXXX chapter XXXX. This will go to litigation if they do not remove themselves from my credit report.
PayPal Credit charges me late fees and interest every month that are increasing in an exponential manner. 

Over a year ago I notified PayPal that I wanted to receive paper statements. I received an online notice asking me if I wanted to receive online statements and opted in. Paypal did not notify me that this would result in me stopping receiving paper statements which I never objectively opted out of. Because I relied on these paper statements my bills were consistently late assuming that they had been lost in the mail. I did not realize that paypal had surreptitiously cancelled my mailed statements until after they decided to stop refunding late fees and interest which they did do for one or two months. 
I also told them repeatedly to keep sending me paper statements which they promised to do but never followed through on. Now I dont use my paypal credit account. 
Since paypal has refused to refund the interest or late fees of $ XXXX/mo I have refused to pay them and they are now threatening my credit score.
They are still reporting my lates with XXXX XXXX, and the account should not be listed in dispute
the reply from freedom mortgage makes no sense to me, the loan modifical would put me in a better position, with a lower payment and a fixed rate. the payment would not grow bigger than my XXXX check. i am a XXXX veteran. just looking for a tiny bit of help
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan
On XX/XX/2018 I called XXXX XXXX XXXX XXXX XXXX XXXX, VA to discuss a {$470.00} medical bill that was on my report. I knew that most credit agencies will removed collection accounts after they have been paid I asked if this would be removed from my credit report and I was told no. As it is up to the creditor I accepted the answer and went about my day. On XX/XX/2018 I became aware that veterans medical bills listed as collection, delinquent or charged off will be excluded from the veterans credit report. After obtaining my credit report to verify that this account was still listed, it was now updated as paid, and that my occupation was in fact listed as retired XXXX XXXX, I called the company to again ask for it to be removed. They told me that per the conversation on XX/XX/XXXX it will not be removed. When I attempted to discuss the section in the FCRA that states this I was greeted with complete surprise and confusion. And again I was referred to the XX/XX/XXXXd conversation. Neither the employee I spoke to or the supervisor she went to knew what the FCRA was, even after explaining that it was the fair credit reporting act which governs the information they are allowed to report I was first asked to email or fax the information and then asked for a rreport number or code as tho they didnt understand. This is a debt collection agency, of all people they should know about the FCRA, in addition to that they very specifically deal with medical debts. The Economic Growth, Regulatory Relief and Consumer Protection act was signed in XX/XX/2018. The FCRA was updated in XX/XX/2018. This company absolutely failed in their responsibilities to provide fair and accurate reporting of information by sheer negligence. The employees and supervisors are clearly not properly trained. The reporting and operating procedures need to be investigated to ensure that they are following the laws that govern their agency.
I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender regulations.
The loan is with easy money on XXXX XXXX in XXXX alabama. My first payment was due XX/XX/2018 and that is also my pay date. I came in early on XX/XX/XXXX to pay back my loan and borrow a lesser amount. The girl working that day did not ask me what I wanted to do as far as reborrow or pay off so she hands back the full XXXX. I took that amount so that she would not have to start all over and print more paperwork. I didn't realize that she did not correct the date on the paperwork being that I paid early so it put me due earlier than I should have been due and not on my pay date. The company put the check through causing it to bounce and cost me an overdraft fee. I tried calling and clearing things up with them but both people I spoke with did not try and correct the problem but instead were rude and asked when I would be in. I explained that my account had been messed up from this problem and that I would be in to show them my paper work. To cover the mistake they had made they tried on what should have been my correct due date and pay date several weeks later. This was not an authorized payment being that they did not admit that my paper work was dated for the wrong date and I did not know that they would do this. This caused more fees with my bank. They did the same thing 2 more weeks after and more fees were added to my account. I contacted the bank and explained what they had done and was credited for 1 of the overdraft fees and a stop payment was issued. On XXXX XXXX I was negative XXXX dollars from this company. I have not had a loan in that amount. They could not collect on my loan amount so took it upon them selves to try for another amount. They have committed fraud by taking an amount that is not owed by me and I have not authorized that amount.
Experians has a few items on my report that are not correct or updated as follows : 1. XXXX XXXX XXXX   credt card balance is incorrect should be XXXX.

2. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

3. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

4. Reporting a post office box address is undeliverable for mail in my credit file.
I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.
Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.
I had an old Wells Fargo credit card debt. This all started when I decided for my own reasons to try and settle it. I contacted Wells who sold it to XXXX XXXX. I contacted XXXX XXXX who sold it to XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX, who sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX. I confirmed that the principle amount of the debt was {$16000.00}, and that it was " worth '' well over {$50000.00}. I negotiated a settlement of {$2800.00} which I paid that date.

Then on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Tel. ( XXXX  ) XXXX ). The person on the phone threatened that process servers were being sent out. I asked for what and was told Wells Fargo. I said that I settled that debt already and was told this was a " different debt. '' I should add that I am XXXX XXXX and was quite shaken up by this. I was told it was a {$50000.00} debt, but I could settle it for {$5000.00}. I did not have the money, but borrowed it from my Mother to pay off this debt collector. When I got the letters, I noticed that the two accounts were the same! I contacted XXXX XXXX XXXX  at XXXX XXXX XXXX repeatedly, but he would only suggest that Federal Pacific was fraudulent, and he would not refund my money.

I will submit letters from both firms listing the same accounts.
This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?
HELLO XXXX XXXX XXXX apply for a mortgage loan from Santander bank in XXXX PA. For the purchase of a property that had to be repaired but not much since I personally had the staff available and the contractors to repair the property. The realtor asked me for a deposit of {$1000.00} dolare. I have an excellent credit About XXXX points and my salary is ecellent I am a retired person and XXXX. The bank asks for money in checks and that there would be a new account with them and all supposed mind for the house. The loan was 2.8 % so I stayed with them and {$13000.00} suddenly, when it increased soon to {$26000.00}. The bank raised the interest to 3.99 % I paid all the certification of the reading area wather authority I paid the apraisal of real property. Which indicate that in reparal the property had a cost of {$2500.00} dollars as a person left an open door traceras and stole XXXX feet of copper pipe of the house. Only the basement but the same would be remplasado in 1/2 day since the house had water and make a repair of the window of the second floor that by the strong winds lost a protective bareta and the water entered but very little was repaired but not corecta mind. And to replace a pedaso of panel on the second floor I have the photos to be more detailed I have the money for the repairs this was informed the day of request of the loan and they gave a combentional loan to me and not an FHA. And the closure was scheduled for XXXX XXXX, XXXX and was suspended without warning because they wanted more inspections of light and water and the roof. The house has connected the water and the light and the roof. After being paid to the contractors the bank without notice on XXXX XXXX, XXXX. tells me that they can not give me the loan because I did not make it biable and that the money lost would not recover it that they give me a personal loan of XXXX XXXX Dollars to the 7.9 % that if I take it or leave it which provoked that I can lose the house and because of it I paid fines for breach of contract and that I lost {$1000.00} dollars without counting what I gave to them. To all this was not communicated the house has a value of {$70000.00} giving suddenly {$26000.00} for a loan of {$43000.00} the value of the property in the market is {$120000.00} dollars
I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?
This was an account with XXXX XXXX. I canceled my hot spot at the end of XX/XX/2016. I was told that I could come back at anytime and pick up the service. I told them in XXXX XXXX XXXX and then after 60-90 days they were still billing me. I work out of state and was not able to get my mail. I paid everything online. I then called XXXX again and again. They kept telling me not to worry about it. I called the next month then someone else told me that they would not do anything about it and it would go to collections. I paid on this every month that I had this account on time. I then have been disputing this collection for over a year and I have given all the credit reporting agencies the time line when I switched with bills showing when I canceled the account and still because of these big corporations can put in accurate information on your credit report at anytime. I paid on my account and paid for services that I have like any other account that I have. XXXX should do the right thing and take this off my credit report.
My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.
I purchased a string trimmer and maintenance kit from XXXX XXXX XXXX using a 0 % interest for 36 months payment program through XXXX XXXX. The payments included a one time promotional fee of {$150.00}. We were billed for the promotional fee for a total of three times. We spoke with customer service agents at XXXX XXXX twice about the billing error and continued to receive billings for promotional fees after being assured they had been dropped. The last customer service call assured us that the error had been corrected and our balance was {$0.00} only to receive another bill with a late charge. The next call to customer service we were sent to an account representative who was combative and claimed that we had two transactions which justified the second promotional fee of {$150.00}. The " second transaction '' was the maintenance kit bought when we bought the trimmer which cost for {$130.00}. Our initial billing only included one " promotional fee '', not two. The Account Rep said he would review the last call and get back to us and that it could  take up to 30 days to get the recording reviewed. He said that in the meantime we should pay the minimum payment so we wouldn't be charged a late fee. Despite 4 phone calls to " customer service '', we still have no resolution to this situation. 
It is remarkable that, even when requested, none of the XXXX XXXX reps would give us neither a confirmation # for handling this problem or confirm our conversation in writing in anyway. They have no direct phone number or e-mail. NOTHING. From our experience, XXXX XXXX Credit Service is dishonest and a financial predator to consumers.