WillisBack/dataset-financial-user-claim huggingface dataset:
Hello CFPB,  XXXX   XXXX   2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month  's (   XXXX   ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on  XXXX   XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in  XXXX  it lowered the principal payment for  XXXX . However, they do n't bill " future interest  '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden  ) interest fees that were due for  XXXX  and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ".     On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery.     PLEASE PLEASE HELP!!!      XXXX   XXXX   XXXX
In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. 
During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. 
I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. 
I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. 
I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.
I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.
In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE.
I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.
I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week  XXXX - XXXX  ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.
SOURCE RECEIVABLES MANAGEMENTcontinues to call me after they have failed to validate the Debt. Harrased me the first. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act XX/XX/XXXX. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them. These debt collectors have have been put at notice, I have recorded calls any call after XX/XX/XXXX will be charged as fallows XXXX per call and XXXX per min. I have more than 3 calls after that date.
This bill was removed from my report and I dont know what this bill is. I get a collection notice from XXXX  after I told them it wasnt mines.
I had spoken with a representative to close my account. The account was not closed and kept getting charged maintenance fees without my knowledge, eventually causing it to overdraft. I found out about the overdraft via a letter received on XXXX XXXX, 2016. I visited a branch on XXXX XXXX, 2016 to speak with a representative to try to resolve the issue. I was informed that the account had been charged off on XXXX XXXX, the same day I received the overdraft notice.
I applied for a payday loan in the amount of {$250.00} from LendUp.com. As of now, they show that I still owe them but I never received the money because while it shows it was successfully deposited on XXXX/XXXX/14 ( which was my ONLY deposit on XXXX/XXXX/14 ) there is also a reversal of {$250.00} + a {$5.00} fee charged to my account. So, I essentially never received the money. They are still saying I owe them, when I have the bank statement that shows that XXXX deposit on XX/XX/2014- then a reversal for that same amount, as well as the overdraft balance of XXXX as a result of the {$250.00} being reversed on my account. 

You are n't able to speak to a live person when you call, they are on a regular M-F XXXX-XXXX schedule, and you have to basically schedule a call back so you end up paying phone tag and nothing will get resolved.
I paid off $ XXXX in XXXX school loans in XX/XX/2017. There is no information on XXXX XXXX 's website about what happens when loans are paid in full. I received no paperwork from them concerning the loan status once they were paid off. 

I have been trying to find out when they close the account, because the credit bureaus are penalizing me because they are receiving no information on the state of my loans. I have called once and emailed twice. 

They should have policies about closing the account when loans are paid off. Their should be a deadline on their end for filing the necessary paperwork with me and the credit bureaus. When they wanted money from me, they were very quick to communicate. Now they have no problem stonewalling me when I need something from them.
On XX/XX/XXXX, I was contacted at my place of work by XXXX XXXX of National Service Bureau. After I indicated that I was the person he was looking for, I told him twice to never contact me at that number again and disconnected the call. Immediately thereafter, XXXX XXXX called my work number again to " verify my employment '' with one of my coworkers. This is absurd since he just finished speaking to me at the very same number. Also, he asked my coworker to give me a message to contact him and left his phone number. Since then, XXXX XXXX called me at my place of work again on XX/XX/XXXX to inform me that he could in fact call me at work. I again instructed him not to ever call me at work again. This is a violation of my rights under the FDCPA.
To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX
I entered into a reverse mortgage with Wells Fargo Mortgage on XX/XX/XXXX. I then became concerned about the terms and conditions and contacted a friend who was versed in mortgage procedures. He had advised me of some terms and conditions that I was unaware of and then contacted your office regarding this information. The following are the findings : It should be noted that my monthly income at the time was {$500.00}. 
Analysis of XXXX XXXX Wells Fargo Reverse Mortgage Estimated Amortization Table 1. Even though you got one lump sum of money, you are paying {$30.00} per month, {$360.00} per year in service fees for the privilege of receiving the money. This added to your debt each year. 
2. Over the last thirteen years, you have been assessed {$4600.00} in service fees. 
3. It shows that you received {$54000.00} initially. You advised me that you received {$23000.00}. The difference of {$31000.00} are fees and various charges. 
4. This loan is scheduled to go 34 years. By that time, you will owe {$390000.00} for a {$23000.00} loan. Your children will have to pay that amount to keep the house. They will have to come up with the money within six months. 
Page 1 Home Equity Conversion Agreement Second Deed of Trust 1. This is an adjustable rate mortgage. It goes up and down depending on the consumer price index. 
2. If you live until XXXX, the house will belong to the Mortgage Company. ( Age XXXX ) Uniform Residential Loan Application It says you borrowed {$72000.00}. Where is the {$49000.00} difference? 
Federal Truth in lending loan disclosure 1. The loan is immediately due upon your death. 
2. XXXX is not part of the loan. He will be put out upon your death. 
3. If you are not living in your residence for some reason, after 12 months, you lose the house. 
4. If the house is in disrepair, the loan becomes immediately due. 
Recommendations File a complaint of predatory lending with the Consumer Financial Protection Bureau. ( CFPB ). 
I have prepared a letter for you to sign and mail to the CFPB Ombudsman. I have included and highlighted information on filing a complaint. 










To : Ombudsman Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Request assistance for filing a predatory loan complaint XX/XX/XXXX  Dear Sir or Madam, I had some concerns about a reverse mortgage {$23000.00} loan from Wells Fargo Mortgage 13 years ago. I contacted XXXX XXXX a Fraud Investigator I am associated with and asked him to review my paper work. 
His analysis showed some very disturbing things I was unaware of and were not explained at the time I signed for the loan. His findings are attached to this letter. I would like to have Consumer Financial Protection Bureau consider assisting me in filing a predatory loan complaint. 
In summary a loan for {$23000.00} will cost me over {$110000.00} today. This is not fair and in my opinion is predatory. I am seeking a solution to get out of this loan and keep ownership of the residence I have spent a great part of my life in. 
Sincerely, XXXX XXXX ( XXXX ) XXXX E mail XXXX XXXX XXXX XXXX ( XXXX ) XXXX E-mail XXXX XXXX
On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?
I contacted Chase because they put thru a {$31.00} charge after I had paid for a stop payment. I was informed that I had to place a stop on ACH transactions as well. I was informed of this on XX/XX/XXXX and not prior to this date when i placed the stop payment in XXXX. It sbould be mentioned that the merchant obtained my bank account information without mybpermisdion. I expressed this concern to Chase. I also mentioned the merchant charged my Chase account and the new card I placed on file with the merchant, XX/XX/XXXX transaction on screenshot attached. I was asked to fax or mail my proof of the duplicate transactions. I was provided case number XXXX, fax number XXXX and and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I went to my local library and faxed the required documents. I faxed again on XX/XX/XXXX and XX/XX/XXXXafter receiving emails stating more information was needed on my claim. Today XX/XX/XXXX I receive an alert that my account was overdrawn. When I checked Chase has reversed the provisional credit.
I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current phone number.
I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.
Experian shows a Bankruptcy on my credit report. I do not have ANY Bankruptcy. I disputed the information with Experian. Experian said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX XXXX XXXX XXXX XXXX. We have completed our investigation and the disputed information in your XXXX XXXX XXXX report has been modified or deleted where applicable. I sent the XXXX XXXX investigation letter to Experian but the negative sill appears on my credit report. Letter was sent XXXX XXXX, 2016 via USPS certified mail. Letter was signed for on XXXX/XXXX/2016 at XXXX XXXX and I am in possession of the return receipt.
In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments
I am on my XXXX and trying to establish credit so I can eventually get a home for my family. Unfortunately I just started to learn about collections and negative remarks effect. 
I have two medical bills from XXXX XXXX that went into collection via a company of XXXX XXXX XXXX. I have not received much information from it and now I see a balance of {$1000.00} and {$65.00}. I am currently facing some financial hardships and this negative remark is adding a toll. I really need some reconsideration to get ahead some how.
Parents filed a bankruptcy and the bankruptcy court went after my husband 's job and garnished his pay. We were in this process for years. They took money from his salary and the debt was paid and they still took money from my husband 's salary. They put our home in bankruptcy, my parents did not own a home. 
Now they have discharged the bankruptcy and our home has a sale date. 
NationStar/Mr. Cooper refuse to work or speak to us about our own home. 
They will only say we have a sale date and their is nothing we can do about it. 

They had an inquest and received a judgment of foreclosure and we were never notified.
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XX/XX/XXXX. I have been a victim of identity theft since XX/XX/XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.