WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my Federal Loans with Mohela XXXX XXXX to obtain a better interest rate than what I was receiving with my Federal Loans. I came across 2 issues that I found to be quite problematic.

The initial issue I had was that while I was making my minimum autopay installments, I was also making additional payments on a monthly basis. I had been doing so for several months/years, when I had contacted the company in regards to some accounting issues I was seeing. At that time, they then told me that all of those additional payments could have been going to the principal rather than the interest. I had been making substantial monthly payments ( XXXX XXXX )  that ultimately was not benefiting me as the consumer in any way whatsoever. They never contacted me to let me know this was even an option. I went back through their contract and I could not find any location that explicitly told consumers if you made extra payments, they could go to the principle. They intentionally kept this from me and other consumers. As a XXXX XXXX, my loans are substantial ( XXXX ) which having made those initial payments to the principal would have helped me and my family immensely.

In addition, as I had now been alerted to the fact I could make payments to my principal rather than just the interest, I was seeing some benefit in that my overall principle was decreasing. As my loan was leaving forebearance and I was going to have to make full monthly payments, I again looked at my balance, and to my utter dismay, my principle balance had returned almost to its initial level ( XXXX ) even though I had been making large additional payments.

I called Mohela XXXX XXXX to discuss this with me, where they told me at the end of forebearnace, there was an additional XXXX fee that was incurred when the loan left forebearance. Needless to say I was enraged.

I begged for some reprieve, only to be told this was in the contract and you are unfortunately " out of luck. '' I have since left that company and refinanced with XXXX at this point, because I was so appalled at these tactics.

I have already spent thousands of dollars attempting to be a responsible consumer and pay for my education. All of this money could have gone to my overall principle which would allow for me to have paid my loan back in full, in a shorter amount of time, and done responsibly. I am now continuing to pay an absurd amount on a monthly basis, to make up for what I thought I was mitigating over the past 2-3 years.

This is unbelievably deceitful and provides absolutely no benefit to the consumer whatsoever. They are keeping you indebted to continue to reap interest benefits for themselves while leaving you struggling on a monthly basis.
Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report.
On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.
I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well.
We recieved a call from Ditech on XXXX XXXX, 2017. The rep advised us that our payment was short and had gone up for this month and going forward. We were asked to pay the XXXX that it was short. My husband paid it over the phone right away. The rep assured him that we paid it on time and we would not be assessed a late fee. the next month we received a statement advising that we we were charged a late fee. I called and was told that they would not waive the late fee, even though it was charged in error. the payment was not posted to our account until XXXX, but was paid on XXXX. I wrote a letter to ditech and they advised that the late charge would not be waived ( XXXX ) I do not believe we should be assessed a late fee as we made the payment on XXXX, the cutoff date and the rep told us that we would not be charged a late fee as we made the full payment on time. Please help
On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.
According to my recent credit report request from XXXX, Transunion, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.
VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, TRANSUNION, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, TRANSUNION, XXXX CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to TRANSUNION, XXXX ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and TRANSUNION ( CHARGE ACCOUNT ) XXXX/XXXX  Account # XXXX Being Reported To XXXX, and TRANSUNION ( CLOSED OR PAID ACCOUNT/XXXX  BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To XXXX ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX  ( FLEXIBLE SPENDING CREDIT CARD ) XXXX   XXXX Account # XXXX Being Reported To TRANSUNION ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on TRANSUNION ( PLACED FOR COLLECTION )
On   XXXX   XXXX   we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the  other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On   XXXX   XXXX  , we made our scheduled payment  Ocwen in the  amount of {$1600.00}. On   XXXX   XXXX   we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with  Ocwen  and explained the situation. We were told that we would need to file a complaint to the  Research Departm ent. On   XXXX   XXXX  , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On   XXXX   XXXX   we received another call from  Ocwen and s aid we needed to make the   XXXX   XXXX   payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On   XXXX   XXXX  , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to  Ocwen in  late  XXXX  or early   XXXX   as  Ocwen had  stated. They said they would do a  3-w  ay  call with  Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late.  Ocwen wo uld not discuss anything with the bank  (   XXXX   XXXX  with  XXXX   ).  During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On   XXXX   XXXX   we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on   XXXX     to  Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on   XXXX   XXXX   was successfully processed but  the two most  recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of  Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.
I am the newly appointed personal representative of the Estate of XXXX XXXX. I petitioned for appointment on behalf of the Estate 's largest creditor ( XXXX XXXX ). The bank started a foreclosure on XXXX/XXXX/2015 and it has lain dormant to date. My research indicates that both the mortgage company and the law firm handling the foreclosure filed bankruptcy, and the law firm does not exist anymore. The Condominium fees accruing since the DOD of the owner exceed {$40000.00} and continue to accrue each month. Now the Court has sent out a Notice that it will dismiss the bank 's foreclosure case for non-prosecution. I am attaching documentation referencing the above. I do n't know if the address I provided for the lender is still good - I obtained it from the recorded refinance DOT.
Under the new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
I have four credit accounts through XXXX XXXX   which has continuously lowered available credit amounts, and ultimately affecting my credit score. I received a letter from them stating that based on my credit report they are closing one of the cards I have with them .... that has been paid off for months. This company contributes to poor credit ratings of consumers by continuously lowering available credit limits which looks bad on credit reports and closes accounts that are paid off.
I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. 

He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. 

At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. 

According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. 

When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat deceptive.
wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me
A friend and I traveled to XXXX via XXXX XXXX in XXXX  2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!!
100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ...
Also, I XXXX  the merchant in question. Company and/or address does n't even exist ...
On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )
My Consolidation loan was increased from {$10000.00} to {$13.00} My unsubsidized loan which originated at {$10000.00} in 2006 has almost double to {$16.00}, XXXX My PLUS loan that originated at {$9000.00} in 2006 was DOUBLED to {$18000.00}
To whom it may concern, my information has been compromise in XXXX  data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
XXXX XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In putting together it's response to complaint XXXX, Wells Fargo just sent me ( and my ex-wife, who isn't on the loan since modification and hasn't been involved in this fiasco since XX/XX/XXXX ) a letter explaining that although they hoped to have a response to me ( when in fact the response is due not to me, but to you, the CFPB ) by XX/XX/XXXX, it looks like it may take until XX/XX/XXXX. 

Given that we've caught them in quite the series of lies, that's fine. Lawsuits will wait. 

Here 's the thing : aside from the gravity of the underlying complaint, aside from their inability to put together a timely answer, and aside from the fact that they DON'T MENTION THE CFPB AT ALL, as if I'd merely called to inquire about the status of a loan application ( not shocking considering the esteem in which the hold the CFPB and the government ), the truly shocking thing is this : They sent the letter to the house from which they evicted me and my children. 

If there is any entity, individual, or consciousness ( poor choice of words on that last one ) that knows I don't live at XXXX XXXX XXXX, it is XXXX XXXX. 

There are truly, truly, no depths of ignorance and inhumanity to which WF will not sink.
I have called three separate times and spoke with a representative to gain access to my monthly statements and other official communication. All three representatives promised to mail statements to my email, I have received none. Also, I wanted a formal ticket into my lack of access to records to be opened, with no resolution noted.
CitiBank has ignored my repeated requests to close my checking account. I instructed Citi to close the account after my final check cleared last XX/XX/XXXX. After I brought my balance to zero and expected closure, Citi insisted on keeping the account open so it could impose a {$25.00} low-balance " maintenance '' fee on the account, plus a {$34.00} NSF fee to punish me for Citi 's erroneous maintenance fee. This is predatory fee-churning at its worst!
On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.
In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.
I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....
Contacted Experian dispute wound up in XXXX XXXX- I have multiple reports open YOU failed to address nor did they! Information still wrong- address- our contact phone number- bankruptcy over 7 years they advised it would be removed. Account balances still incorrect. A number of accounts XXXX or reduced they reflect wrong! All of this has impacted us financially- myself and wife who are listed for all of the same! Credit score advised last month XXXX congrats- when applying for credit XXXX! Very upset our so called " SECURE '' information open to foreigners and may be subject to hacking and YOU do nothing- yes nothing- So where is the " protection? " I want a written reply why! Need change of address and phone number to account. This action has been done multiple times and is still incorrect.