WillisBack/dataset-financial-user-claim huggingface dataset:
This student loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, deliberately placed my loans into forbearance, so they could make money on the interest being collected, without my knowledge or my permission. I made them and the US Department of Education aware that I would be entering into a full-time program, in XX/XX/XXXX. I recently became aware of what was going on once I received a notice informing me that repayment is due on my loans in 30 days. Instead of placing my prior loans into deferment, they told me on XX/XX/XXXX, that " they were doing me a favor, and they did this will all their loans. I XXXX in XX/XX/XXXX. They revoked my 6-month grace period that all students receive after deferment from a full-time educational program, by initiating this ILLEGAL tactic in order to turn a profit. This loan servicer failed to inform me of what was going on and employed the illegal/fraudulent practices of their fellow loan servicing company, XXXX. Thousands of dollars of interest have been generated on loans in which I was guaranteed 0 % interest rate growth while in school. Instead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Department of Education have failed borrowers by letting this type of behavior continue to go unchecked. This company told me flat out " WE DO THIS TO ALMOST EVERYONE, AND NO ONE COMPLAINS. '' This is fraud and should be looked into.
I have a a unverified account from HAUGE ASSOCIATES. I had previously disputed this account. I have never done business with HAUGE ASSOCIATES. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HAUGE ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HAUGE ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off
On XX/XX/2018 at XXXX we received an automated call from CAPITAL ONE to call back at XXXX. The automated call does not offer the option to connect to an operator and we have no information what number is being dialed
I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX
I am contesting the account with SYNCB/GAP. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/GAP. to correct this account on my XXXX report. I should not owe SYNCB/GAP. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX  report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against XXXX, XXXX and equifax.
I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 %
I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.
XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) purchased a debt that originated with Citibank South Dakota. Citibank South Dakota was merged with Citibank NA as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XXXX/XXXX/XXXX ). My XXXX report dated XXXX/XXXX/XXXX shows the account being reported with XXXX will fall off on XXXX and XXXX XXXX it shows it will be on my report until XXXX. This debt had a 1st delinquency date in early XXXX, with a charge off date with Citibank South Dakota much earlier than when reported by Citibank NA. I disagreed with the balance that XXXX is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus XXXX, XXXX and XXXX XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XXXX/XXXX/XXXX, a new merged credit report was pulled showing all XXXX credit bureaus - the XXXX debt is now reflecting a last delinquent date of XXXX, a last payment date of XXXX, and a last activity as of XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like XXXX to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance
On XXXX XXXX, 2017 I contacted Transunion and spoken to Supervisors XXXX to dispute credit inquires that was not authorized by me. I was advised that on XXXX can be removed. On XXXX XXXX, 2017 I mailed a dispute letter to have inquires removed. I received a letter back stating the inquires would remain on my report for 2 years.
After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. 
Cat and Mouse game. 
" ARS '' is now reporting as an original creditor, fraud! 
I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. 
I have informed XXXX and XXXX of this information, but still remains? 
Is it fraudulent of ARS to report as an original creditor when they are not? 
Also, why is n't ARS showing me a signature page that I have requested?
I went into a Citibank branch to withdraw some money and was told I had a negative balance, my account had been locked and my XX/XX/XXXX Social Security check had been seized to pay down the balance. My ss check is a direct deposit. 

I have tried working with the branch managers in two branches to no avail. They just restate the problem. My problem, of course, is that I have NO MONEY. that ss check is my monthly paycheck and I am a senior citizen with no money ... O feel as if I have been ROBBED! 

I began emailing the CEO OF citibank to explain not only that her bank is out of compliance with a Federal rule prohibiting the seizure of ss checks that have been direct deposited but also every single person at Citibank has not had a clue what to do and tells me there's nothing they can do! I've tried to explain what Citi has done is illegal and I need my money back to live and the branch managers all look at me like deer in the headlights. One even said to me, " You'll figure it out! '' The CEO forwarded my email to an Executive Response Unit who read out of the CLIENT MANUAL like a ROBOT! 

i asked him if he knew about the rule that says in part that direct deposited ss checks are protected and the bank can not seize them! 

He told me that he was reading out of Citi 's CLIENT MANUAL and asked if I would like a copy!!! I emailed the CEO to close the loop so far and that her bank is out of compliance! 

Haven't heard peep since! 

I need help. Citibank is terrible. I have changed my direct deposit designation to Social Security 's bank ( A XXXX XXXX Card ). I started with that when I first got ss and I wish I had never heard the name " Citibank. '' They are dishonest and rude!
case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.
Have been faxing for a year to get loan modification! XXXX XXXX on loan only, grant deeded and power of attorney to XXXX XXXX, ( proof have been sent ) Bayview said ad XXXX XXXX on paperwork see inclosed! Have XXXX and XXXX on seperate paperwork can afford modification paperwork if XXXX can have someone look at paperwork, sending proof again!!!!!!!! Not sure why modification paperwork can not be reviewed! Have proof of faxes and papework for a year! And XXXX my cousin has been helping me they never call him XXXX!
I sent a letter and tried calling about getting these inquiries off my report that i did not authorize and i get the same response " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' but when i contact the creditor they tell me to contact transunion i just want these inquiries removed According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. 

the inquiries i dont recognize are below along with the dates i would like them removed XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft
A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.
In XX/XX/2010, I refinanced my mortgage with Chase bank. At the time, they made an error and overcharged me {$14.00} in fees. This error was not uncovered until this year, and I was mailed a check for the {$14.00} I was overcharged. I contacted the bank and demanded that they also issue an additional payment for the interest/earnings I missed by the bank holding my {$14.00}, pointing out that the value of that money in today 's dollars differs from XX/XX/2010 value. They refused to grant my request. I pointed out that if I had withheld payment on a loan or credit card, I would have been charged interest and penalty fees, so the same should hold for the bank. When they still refused, I indicated that I would contact the CFPB. Please let me know what steps I should take for fair compensation.
Illegal eviction was filed and a consent judgement was rendered with no charges as of XX/XX/2016. The collector is trying to collect a debt that is not owed. In addition to the attempt to collect a debt that is not owed I am also currently trying to delete the filing of the eviction off my credit report considering it was illegal and the creditor initiated the dismissal.
THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.
I call ed    XXXX   XXXX   XXXX   located in  XXXX , Mississippi, and asked that if I paid off  XXXX  of my accounts would they give me and discount and agree to delete the negative entry on my credit report. After making several calls there to get a discounted rate, which they clearly did not want to offer, my account representative  XXXX  agreed, and she also agreed that she would get the entry removed from my credit file. She said she would have it removed simply by telling her supervisor. Now, the day after I paid off the account, I call back to verify that the entry will be removed and to request some paperwork to show the removal and  XXXX  says her supervisor  XXXX  wo n't remove it and that she never told me she would get it deleted only that she would " ask her supervisor ''. Then she said her supervisor would only remove it if I pay the other account I owe as well.This was a very deceptive practice that  XXXX   XXXX   XXXX  used just to get my payment. It is highly unfair and misleading. I paid off my debt to them under the verbal agreement that the account I paid would be deleted off my credit file. I feel that this is CLEARLY a violation of The Fair Debt Collection Practices Act and I have recorded conversations and a witness that will substantiate my evidence against  XXXX   XXXX   XXXX .
ON XX/XX/XXXX I WAS CONTACTED BY PREMIER STUDENT LOAN CENTER FOR AN OFFER TO COMPLETELY FORGIVE MY XXXX  $ IN STUDENT LOANS. ALL I HAD TO DO WAS TO MAKE 5 TIMELY PAYMENTS TO THIS COMPANY WHICH I FIND OUT DOES NOTHING BUT PROCESS DOCUMENTS THAT ARE NOT NON APPLICABLE BUT THAT I COULD DO FOR FREE MYSELF. THEY STATED THEY WORKED DIRECTLY WITH THE DOE BUT REQUIRED MY SOCIAL SECURITY NUMBER AND CREDIT CARD INFORMATION TO GENERATE A DOCUMENT AND A NEW FSA ID NUMBER. THEY HAVE SET ME UP WITH 5 MONTHLY PAYMENTS STATING THAT IF XXXX $ IS PAID THEN XXXX $ WILL BE AUTOMATICALLY FORGIVEN. THE ZERO PAY SCHEDULE FOLLOWING THE 5 PAYMENTS SIMPLY MEANS YOU HAVE PAID THEIR FEES FOR LOAN PROCESSING DOCUMENTS. I HAVE ALERTED MY BANK TO ALLOW NO DEBITS FROM THIS COMPANY CONDUCTING FRAUD AND I HAVE FILED A CLAIM WITH THE ATTORNEY GENERAL OFFICE AND HAVE MY SOCIAL SECURITY NUMBER CONTINUOUSLY MONITORED FOR SUSPICIOUS ACTIVITY. I DEMAND THAT THE COMPANY PREMIER STUDENT LOAN CENTER IMMEDIATELY CANCEL AND FURTHER TERMINATE ANY RELATIONSHIP BETWEEN THIS SCAM AND MYSELF. MY STUDENT LOANS ARE PAID EVERY MONTH THROUGH XXXX AND ARE NOT IN ANY KIND OF DEFAULT. I HAVE ALSO ALERTED NAVIENT TO THE NAME OF THE COMPANY AND REPRESENTATIVE WHO SOLICITED ME. I AM ATTACHING ALL DOCUMENTS TO THIS WEBSITE AND TO THE STATE OF GEORGIA ATTORNEY GENERAL 'S OFFICE
I bought some wine from a shop in XXXX, and B of A denied the charge because they " suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it.
We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.
This is in reference to XXXX on XX/XX/2018 i paid the account in full XXXX they took a debt card payment and informed me that once the payment clear that it would be removed from my account well payment cleared in a matter of minutes i did debt and its still on my account as a matter of fact i got an alert from the credit bureau saying the account went from derogatory status to current on XX/XX/2018 and the very next day XX/XX/2018 i get another alert saying XXXX changed it from current to a charge off and saying i still owe them the payment wich is incorrect they lied i tried to get the Credit Agency to file a fraud claim against XXXX because they are clearly lieing the person i spoke with name XXXX from the financial department told me soon as the payment clear they would send notifications to the credit bureau to have it removed well they didn't i paid them they lied and they changed the status they are hurting my credit status im trying to get a house and also i have documents to show my account been paid thank you
On XXXX XXXX, 2016 I had a XXXX balance in my CHASE checking account, then on XXXX XXXX, an incoming recurring debit card transaction hit my account, at which time CHASE arbitrarily decided to push through a debit card transaction in the amount of {$99.00} and then billed me a {$34.00} insufficient funds fee. I called customer service to find out why the transaction was not declined, I was told by the agent on the RECORDED CALL, that CHASE reserves the right depending on account standing to pay for transactions that come through the account and then as it turns out, charge their loyal customer for their generous act of kindness. I then told her that I signed a document stating I did not want CHASE to pay for ANY DEBIT CARD transactions when there was n't enough money in my account to cover the purchase. She then proceeded to tell me that " I know, it 's confusing, CHASE corporate is actually trying to figure out a way to make this less confusing for customers since they are confusing us paying for debit card transactions with overdraft protection. '' I do n't want overdraft protection, I do n't want ANYONE to pay for transactions on my account when there is no money in it. They are gouging the public with deceptive practices, they even admit there is no rhyme or reason, CHASE pays the transaction and then gets rich billing their customers NSF fees. Laws are enacted to limit the amount of fees these big banks charge in a given day, and then these banks find a way around the laws in order to still bill those NSF fees. I 'm shocked there has not been a lawsuit brought against these banks because of this as of yet!