WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
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I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
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I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
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Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
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This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
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Please help me stop this fraudulent company hurt someone else.
Hi ive had years of turmoil with XXXX XXXX and navient in which they took advantage of me when I was younger- giving false information- Ive been charged a series of late fees and high interest- I am now swimming in student loan debt.
In XX/XX/2017, i sent a certified letter to capital one regarding fraud on my accounts. i received no response within 30 days. recently i have been sent statements regarding my accounts showing all disputed charges. They show that i owe these charges. My accounts were closed as well. I had two accounts. One now shows a balance of {$5500.00} and another {$8200.00}. these accounts should be at XXXX balance.
This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. 
I need to have them remove it from Equifax immediately.
Already disputed on XXXX  Credit and it was removed XX/XX/18. It has appeared on XXXX Credit report
Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.
Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance. 

In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax. 

In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West. 

I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.
I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years
I have not requested a credit card since XXXX and I have never tried to get a credit card from XXXX ; XXXX ; XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX but they are on my credit report with multiple dates of request. 

Also, there are multiple dates in XXXX where XXXX, XXXX, and Experian did credit checks on me. For what I have no idea because I have not attempted or made any purchases that would require this type of check.
I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in 30 days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019
I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed. 

In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.
Dear Supervisor, The loan has been transferred to three different companies known as Manor Resources , LLC. and or XXXX XXXX. Three different addresses starting in XX/XX/2018. No more access to online account possible. Unknown if the payments have been credited properly to the account for the last five months. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX They are indeed very hard to locate since the transfers started in XX/XX/2018. Please have them send a complete payment history and provide access to the Internet. Please investigate the high interest rate of 24 %. Very concerned abut this situation!
I obtained a predatory loan ( triple digit APR ) through Carma Enterprises / Las Vegas Finance. In XX/XX/XXXX my son of XXXX was accused of being involved in a crime. The allegation were very serious and could not be taken lightly. His defense is costing us {$10000.00} of which we paid {$2500.00} upfront and making payments of {$1000.00} a month. I contacted Carma/LV Finance today to notify them of my reason for being past due, and of my intentions of paying off the loan, or getting back on track within the next few weeks ( {$180.00} pastdue balance,2 biweekly payments ). since going past due for the first time as a customer on my payment 2 weeks ago, I have received a copious amount of collection calls on my cell and at work. Some days receiving up to two calls a day at work. Today I advised the manager that I can not receive calls at work, especially with such aggressive tactics and disregard of business operations. The manager advised me that he " did n't care if the calls cost you your job. you 're not paying me, so why should I care ''. I again tried advising the manager of my intent to pay and reminded him of my basic rights under the FDCPA, and TCPA, of which he gave no regard, and became irate, threatening to ruin my credit. 

This is predatory, and highly vindictive behavior that I will not subject myself too. Their exuberant triple digit apr and unreasonable attempt at resolution is dangerous to consumers. I can only imagine the extent of their collection practices, and threats used against other customers who are n't versed in this matter.
I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view
I applied for a money market account with a {$500.00} bonus. The terms state : " Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' Can be found here : https : //www.capitalone.com/savings500/ I deposited $ XXXX at three separate times. My individual deposits exceed the $ XXXX requirement for deposit. The bonus nowhere states that a certain balance must be held or maintained. It simply states the sum of deposits -- which I've met.
The account balance was paid and there was a request to close the account. 

Instead of closing the account, there was some fee added then no statements were sent until the account was six months in the rear with late fees and interest. 

A closed account that had a XXXX  balance cost {$260.00} to close a second time. 

This is not right. Its a scam.
I am currently enrolled in the Early Assistance Program for the 3 credit cards I have with Capital One due to losing my job in XX/XX/XXXX. Capital One assured me that I can pay my balances anytime during the month without any issue. They have since reported me to the credit bureaus on two of the three cards stating that I am 30 days late on these cards. I have paid within the 30 days. I was told by more than one person that I can pay what I feel comfortable with. The total minimum payment for these cards is {$90.00}. I was assured that paying {$5.00} for each card is appropriate. My credit score dropped 62 points this month because of this inaccuracy that was reported. I feel that I was given the incorrect information and mislead to believe that my credit score will not be affected. It unfair that my credit score has been hit because nobody from Capital One can provide their customers with correction information. I would call them to rectify this situation but I feel that I am not getting the customer service support that I need.
I call Barclaycard XXXX XXXX after XXXX  XXXX, and ask for a extension on my mountly payment last XXXX, now I got the statement and they charge me late fee XXXX}, when they toll me you do n't have to make a payment until XXXX. So now I have to make a payment for XXXX and that include the amount due in XXXX, XXXX late fee and XXXX due amouth. That 's Not fair for me that 's why I making this complaint.
Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter.
I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.
I recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.
I paid off my loan on Wednesday XX/XX/18. The company refuses to take the final amount out of my checking account. I contacted the company through email multiple times to find out why there is a delay and they keep instructing me to call them. I called and no one can give me an answer on my loan. I believe they are going to resume withdrawing money from my checking account biweekly, instead of completing the payoff.
Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )
I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable
Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can do.
On XX/XX/XXXX a call was placed to XXXX XXXX requesting a copy or original bill as well as the collection bill. Nothing was ever received. Today XX/XX/XXXX a call was made again requesting and wanting to know why the documents were not sent. This rude lady said they arent required to send original bill even though they work for XXXX XXXX   XXXX. I again requested copies. They were given address to send to.2 addresses and neither address received one. At first she stated that when the bill was disputed they had to send to address XXXX has on file. Well the call was made requesting information 3 weeks prior to that. Enough time to send to address requested. Yet they did not. These bills were a surprise. My ex wife has put me down as responsible party and weve Been divorced for 7 years. I have not been to XXXX XXXX. Thats why a request was made for original bills and to see who signed the forms at office for procedures. Ive received bills with my ex wife being patient and me as responsible party. Im not sure how a hospital or medical business can add a person as responsible party without their consent. This needs removed off my credit. Ive given them since XX/XX/XXXX to produce a bill and they refuse and say they can only send the collection bill. Before I or anyone pays a bill they are unaware of. They should have right to see what they're paying for. Since they have not been a patient at place bill is from.
Took out a 60 month loan with XXXX XXXX XXXX  for {$11000.00} at 19.99 % on XX/XX/2013. 

Total Payoff with interest would be {$18000.00}. 

We made 46 payments totaling {$17000.00} Went to make final payment and noticed several recent late fees on top of what should be a {$200.00} balance, company claims that we owe {$590.00}. 

I have spoke with several supervisors and managers with no resolution. 

I have sent all payment history to them as well. With no dispute over the amounts or dates!
XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against XXXX XXXX ).
Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.
The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.
they showed my admission papers but still failed to show any agreement where me and the creditor agreed to the amount being charged, my admission papers does show any promise to pay or agreement to pay it. you dont see my signature or initials from 1-8 you see my initials on the line that i consent to photographing or videotaping for medical purposes only, i checked number 9 and initialed number 10 boxn 12throu 14 not how i check boxes, then my signature at bottom which nothing in said document showed an amount of money or what me and the creditor agreed upon. and all in which has been photocopied which wont even stand in court, how i know this the same way your going to know this if you cant provide an agreement with an amount between me and the hospital ill be filing suit on XX/XX/2018, unless you provide and contract or agreement, not admission documents, then we can see hows right or wrong on this matter. 
by the way when i called the number you provided your not even in that office. so im sure where probley going to court.
I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates.