WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.
They called me saying that they will contact my employer to try collecting the money? I dont owe any money. This is the 3rd acct they opened in my name. Even got me in trouble with the IRS claiming a XXXX $ owed and file like sn income!
I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.
We had a line of credit loan with Sovereign Bank. Santander Bank apparently acquired the rights to this loan. After getting the run around with Santander, we paid the loan off in full with Santander in XXXX 2013. Yesterday in the mail, I received a bill for {$65.00} from Santander for a fee on this account. I called Santander. I was passed around to four different operators. I asked to speak with a supervisor after speaking with the second operator. I was never handed off to a supervisor. I was told I needed to go to a local Santander Bank branch to prove my identity. Yet they kept verifying my identity with each operator I spoke with. There are no local Santander bank branches in my state. How can Santander bill for a fee and for what after the account has been closed since XXXX 2013?
The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''
On XX/XX/XXXX I received a Short Year Escrow Account Disclosure statement from XXXX because the servicing of my account was being transferred to SunTrust mortgage ( I had an escrow balance of XXXX ). SunTrust ( ST ) sent my first invoice on XX/XX/XXXX. I will note that my mortgage with green tree was $ XXXX, once moved over XXXX XXXX that amount was reduced to {$1300.00}, and according to ST my escrow balance was {$2300.00} - I paid the XXXX on XXXX. Then on XXXX/XXXX/14 I received another invoice from ST in the amount of {$1600.00} - I paid that in XXXX installments of {$830.00} on XXXX and XXXX. Then on XXXX I received another letter XXXX XXXX indicating that they have reviewed my escrow acct and determined that I was owed {$660.00}. I XXXX XXXX to dispute this because my account was with them for only 1 month and did not understand how they could have already assessed my account to determine an overage. I called on the date of receipt XX/XX/XXXX and spoke to a cust. svc person. She told me there was nothing to be done, that I must deposit the check. I told her that my property taxes have increased and offered to fax a copy of which I did. No response from ST. I then continue to pay XXXXXXXXXXXX ( XXXX installments of {$840.00} XX/XX/XXXX & XX/XX/XXXX ), and then was billed for {$1400.00} of which I paid XXXX installments of {$840.00} on XX/XX/XXXX & XX/XX/XXXX. I then got a letter from ST indicating that I was in arrears and owed. I was told that they do not take biweekly payments, but then was offered a biweekly payment setup. I signed up that on XX/XX/XXXX and was sent a letter indicating that the deduction would take place on XX/XX/XXXX. The following month I was sent another letter indicating that I was in arrears, and was then informed that I needed to pay 1 month ahead. Their documentation states that the customer will pay a 13 month payment in the bi weekly program. It seemed reasonable because instead of XXXX payments of {$720.00} it would be XXXX. Based upon my calculations I will have paid 15 months from time I was acquired XX/XX/XXXX to XX/XX/XXXX. will be XXXX Then I received an email from ST on XX/XX/XXXX indicating that my escrow was short {$260.00}. then I contacted ST on XX/XX/XXXX. received another letter from ST on XX/XX/XXXX indicating that escrow was short {$620.00}. I paid it and received an email on XX/XX/XXXX indicating that amount was received. Today I receive my mortgage statement from ST and they indicate that I owe {$3000.00}. I have been paying SunTrust all along, and on time. I do n't know what to do and have not had success when taking with their customer service reps. 
It is imperative that I have someone from the CFPB address SunTrust on my behalf, I feel that they are trying to force me into an unnecessary foreclosure or are trying to bully me in to paying additional funds unnecessarily. Please help and stop the unnecessary harassment.
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. Equifax did not notify anyone quickly enough and admit that they will not notify everyone.
Equifax and XXXX refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax Equifax and XXXXcredit report
In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly
I 've been charged {$10.00} from TransUnion, XXXX, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.
This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.
Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.
Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.
This is reference to  Case No.   XXXX  previously filed with the CFPB.  <P/> Overview : Since  XXXX    XXXX  , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with   XXXX   and  XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then  two  months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act.   <P/> Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY  may  have committed fraud!  <P/> I have not " with confidence '' never received any response from Portfolio Recovery to date  (  see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later!  <P/> Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over  120  attempts ) based on limited information with hopes of making a hit of the  three  rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ).  <P/> Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there!  <P/> Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last  four  digit of my SSN ( PORTFOLIO RECOVERY got the last  four  digit because of the requirement by CFPB and now illegally used this information to their advantage ).  <P/> Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''.  <P/> I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!
My bank does not update to third party apps in real time. I use an app to check my balance that is better than the mobile app. It causes stress when my balance is low.
Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.
THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX
I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt.
I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this debt.
I am a responsible creditor, I pay my bills on time what do not like is when Equifax accuses of me of not paying a bill on time? I always pay my bills on time and pay more than is necessary to pay my bills. One bill in particular XXXX XXXX, I pay the loan amount every XXXX the month and they say it was late on my Equifax Credit Report? I fixed it on my credit report. I also have a block on my Credit Report from XXXX XXXX XXXX, I have tried to fix this error for over 6 months now what is a Responsible Creditor suppose to do correct this error? I requested a credit increase on my XXXX Credit Card and my score dropped from XXXX to XXXX, I have done anything wrong but they say that I should not request any more credit, I am just confused by this double standard and I apologize for being human being it was my mistake. Thank your, time understanding in this matter, Sir or Mam. 

Sincerely, XXXX XXXX XXXX XXXX XXXX American Veteran
My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.
I am in private student loan default with Navient ( formerly XXXX XXXX ). These are loans taken in XX/XX/XXXX and XX/XX/XXXX. While I was pursuing a XXXX they were happy to keep deferring my loans. I did n't know what that meant for interest and now owe them more than XXXX the actual amount I borrowed ( current amount is now over XXXX and it grows larger each day ). They are demanding payments that are too large for me to make each month as XXXX ( {$1100.00} ) but wo n't work with me to set up reasonable plan and wo n't let me send a lesser amount to show good faith. They call in excess of XXXX times a day. When I talk to a rep I am insulted and threatened ( losing my XXXX, sheriff coming to my house to arrest me, asking if I enjoy collecting degrees and not paying my debt, asking why I 'd get a XXXX if I was just as XXXX, etc ). I know I owe them money, but are they allowed to call so often or to insult me and lie to me?
In XX/XX/XXXX I approached CitiMortgage, Inc. with a request for a Short Sale on a home they are serving the mortgage for. The loan is owned by XXXX. Citi had a realtor go out to the home on XX/XX/XXXX and told me that the realtor set the home value at {$160000.00} " as is ''. We had a buyer for the home sign a contract to purchase at this price. The home was not able to go to closing on the sale until a later date so Citi had to have get another home value set in XX/XX/XXXX. Citi said that this time the as is value was set at {$280000.00}. We set up a closing date for XX/XX/XXXX, and that morning, 19 minutes before the XXXX closing, the Mortgage Negotiation Specialist sent the realtor an email saying the home could not be sold for less than {$280000.00} even though they had given prior provisional approval for the sale at {$160000.00} which only pending the closing occurring so the closing statement could be sent to them. I was sent copies of the Valuation Information Detail Reports for the XX/XX/XXXX valuation and the XX/XX/XXXX valuation, and noted that the reports gave conflicting square footage and values, and that the second one said my home was at XXXX, XXXX, when it is truly in XXXX, XXXX, and that is over sized the home by nearly XXXX square foot from the true square footage. When this was brought to the attention of Citi by me in email and telephone conversation they said I could request copies of the Broker Price Opinion Reports that their Valuation Information Reports were drawing information from. I did this, and found that Citi had not corrected reported the values set by either Broker, and that there was no mention of {$280000.00} in the second Brokers report nor any mention of my home being a " subject property '' in XXXX, over XXXX miles from where my home truly is. The buyer withdrew interest to buy my home when asked such an unreasonable and unsupported increase by Citi. I told Citi it was their fault this occurred and I am suffering damages financially due to Citi 's errors and false values set to require on the sale of this home. Citi agree to have third valuation done, and it was completed in XX/XX/XXXX. This third valuation report said the home is only worth {$140000.00} " as is ''. Citi refuses to tell me how the value was set for {$280000.00} they demanded the home sale for in their staff 's XX/XX/XXXX email to the realtor, and now my short sale options are limited as well as I have lost the opportunity to complete the sale as planned in XX/XX/XXXX while the Federal Tax forgiveness was still in place.
So on XX/XX/XXXX, I saw an transaction of XXXX dollars that is mine transferred to another account that I dont have or I dont know about. When I called chase 2 days in a row to get this resolved they could not give me details nor could they tell me what account it was transferred to so I could get my money back. So me, my mom and sister have a joined account but separate checking accouts. So I can not see their money nor touch it. My little sister was involved in a fraud thing where she got scammed someone withdrew XXXX from her account and chance was suppose to handle it and close her account. So I guess chance took my funds out my account and put it in her account to cover it. But I dont get how they can take my money from mine to use to hers just not right. Plus I had nothing to do with her stuff. Just have a join account. We spoke to someone from chase and they said that ; that account was suppose to be closed and no one should be about to touch it.
I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.
They still haven't deleted the old address. I have been a victim of fraud in the past and people using my information before.