WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with student loans since XXXX. I did not realize that taking on a debt so young and uninformed could be so damaging. I have taken loans with three universities. Each one graciously gave me the ok. to apply for money ( way more than needed ) and I would not be able to pay back. I recently watched a press conference held in Washington state in XXXX of XXXX. I learned very interesting information that affected me directly. While I was in school, all of my loans were placed in forbearance. I was never given the opportunity to participate in deferment. I understand that XXXX XXXX and XXXX engaged in deceptive practices and charged interest on top of interest. When I received statements, it was only, this is what you owe. There was never any clear breakdown and how interest was charged. Each time the loan was sold, the amount increased substantially. Currently, the loans are with XXXX. I had written the agency a certified letter requesting all original documents and a breakdown as to how much is owed and proof the amount is what is owed through audit certification of debt entry. This was done on XXXX XXXX, XXXX. They have not responded. Each time I call to inquire about it, I am placed in the endless que until I give up. In the meantime, I am making payments. I was asked to recertify. When I did recertify, I received a letter stating they were not able to grant the same plan and that I would receive a letter telling me what I had to do. The next letter I received, I was told that I did not respond and now have to pay almost 5 times as much. I inquired today XXXX/XXXX/XXXX. I was told my family size changed. I stated that was done in error but I was never officially told. I was told because all correspondence is done electronically. When I searched the electronic messages it was not there. However, I am still required to pay the overly inflated new amount. I am very frustrated and need a resolution. I am making attempts to pay. However, I need to know that the amount owed is completely accurate especially since it has changed servicers several times. Please help.
On   XXXX     I deposited my husbands check in the mail box of  Rabo Bank  in  XXXX  Ca at     XXXX   XXXX  . I then went to work. I checked my balance through bank texting and the amount   of husbands check had been deposited in to our checking. On   XXXX     I checked our account and check deposit was nowhere to be found. On  X/X/2017    at  XXXX  I went to bank to find out what happened to my deposit because I had numerous bank charges for insufficient funds. They said it was a electronic error and that I would not be responsible for any of the insufficient funds. Which is good but I 'm thinking that fraud was being committed on my acct by the bank to see if I would still pay for the insufficient charges.  Rabo Bank  is notorious for charging extra fees.
I have been being garnished for a medical debt for the majority of this year. I have not had any issues with paying via garnishment as I could not afford the payment terms offered to me by the collection agency. 

Between each round of garnishment I received in the mail, notification that the debt was not fufilled and to contact them regrarding extending the garnishment. 

this last round ended XX/XX/XXXX., today XX/XX/2016 I received via the USPS a letter from circuit court stating there was another garnishment from this company for next 13 pay periods ( I owed XXXX ) total cost of this will be XXXX I told them I could pay today what is owed, however they made me pay the cost of the garnishement filing XXXX - This company purposely changed the way it communicated with me from past occurances to cost me an addtional amount of money. I do not believe this to be a fair or just practice
LVNV Funding fi led a lawsuit  XXXX  requesting payment of {$5800.00} for a motorcycle that was repossessed in  XXXX . A settlement was agreed to in the amount of {$2500.00} and payment was paid in full on  XXXX / XXXX /  XXXX  .  LVNV Funding ha s not furnished any confirmation the settlement has been paid in full and still continues to report on  XXXX  and   XXXX   a delinquent account. This report has negatively affected my attempt to refinance my current mortgage.
{$460.00} was charged to my account this month when I tried to close my Wells Fargo account. There is a savings account that Wells Fargo opened in my name that I have not ever been able to access. When this account is used to pay for overdraft fees for my checking account there is a {$12.00} charge to use the money. I am a XXXX XXXX person that has been taken advantage of by Wells Fargo. Wells Fargo has been charging me outrages fees since I opened this account and every time I have tried to close my account they have made it impossible.
This is a case of a credit debt having been bought by another company after 7 years had expired. It is illegal to buy a debt from another company and resurrect it. This originated long before 2009, when this company is saying I owe the debt.
XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX
This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.
I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.
I would like to file a predatory lending complaint against XXXX XXXX ( XXXX ID # : XXXX, GA License # XXXX ) and NFM Lending ( XXXX XXXX XXXX, XXXX, MD XXXX ). I was a victim of a bait and switch where I received an amended mortgage settlement XXXX month AFTER I had already closed my loan increasing my mortgage payment by {$100.00} each month! I was told by XXXX and NFM that it was an error on their part in the monthly payment calculation and that I would have to sign the amended settlement to which I refused. I was under the impression that once you close your loan the payment can not increase unless there is a shortage upon annual escrow analysis. How can my mortgage payment increase {$100.00} only one month after I signed all closing documents? To give a brief backstory I currently work for a XXXX myself and was approved for a mortgage at a rate that was much lower than NFM was offering. However, the city XXXX was offering a downpayment assistance grant in which NFM was a preferred lender and my bank was not. I made XXXX and NFM aware of this, and they assured me that my first year mortgage payment would not be any higher than {$670.00} per month including taxes and insurance based on the purchase price of the property I was currently under contract on. I had the option to go with my bank for a monthly payment of {$700.00} per month but obviously chose the lower XXXX year monthly payment offered by NFM also considering the fact they were the preferred lender for the City of XXXX 's grant program. XXXX and NFM lied to me to get me to sign with their mortgage company at a " lower '' payment only to increase it one month after closing. They knew I had an option of going with my bank so they chose to falsely convey their monthly mortgage payment as lower until I closed then raising it {$100.00} per month suddenly out of nowhere for no justified reason other than a " miscalculation '' on their part. 

The second issue. After my closing was delayed XXXX times ( yes XXXX times ) by NFM I finally reached the night before closing. I received a call from NFM that there was a {$2000.00} surplus from the XXXX grant ( which they knew all along ) and in order for them to apply it to the loan amount they would have to generate new documents delaying the closing an XXXX time, but they offered the option to send a check for the surplus to my HOA to cover my dues until the funds were exhausted. At this point I was informed by my realtor that the seller would walk away if the closing were delayed again so I had no choice but to take that option of applying the surplus to my HOA fees. It seems to me that NFM hid this fact about the surplus so they would not have to decrease their loan amount and gain additional interest on my mortgage and make it more attractive on the secondary market. It would have been more beneficial if the {$2000.00} were applied to my loan balance saving me on interest but they hid that until the very end forcing me to apply it to my HOA so they could retain a higher loan balance.
I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.
Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX
In early XX/XX/XXXX I received an offer from US Bank/REIMastercard with a limited time offer of {$200.00} gift card, 0 % introductory apr on purchases and balance transfer for 18 billing cycles offer made within 30 days of opening account, so XX/XX/XXXX I applied and was approved on XX/XX/XXXX so last week I go to do the balance transfer and once I hit the complete button I get a message to call customer service regarding completion of the request, so I called the number on the card and speak to a representative from US Bank and was told that I only had one offer and that was for {$100.00} dollars REI gift card not the intro balance transfer I was speaking about and the she told me that she could not assist me any further and transferred me to the underwriting department, who wanted to know why I was transferred to them I explained my situation again and was told to call back in three hour and they would be able to tell me if such an advertisement could be sent out, well I see I was going to get the run around so I decided to contact you agency for assistant.
I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.
XXXX  {$120.00}  XXXX   XXXX  Is an account that is not mines.
spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.
All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. 
XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX
Myself, XXXX XXXX, and husband, XXXX XXXX XXXX, have concerns on the unethical practices, honesty and integrity of the contractual agreement we are about to enter into with our servicer, Ocwen, and lender, XXXX. 
We are documenting these concerns in order for you to review their practices and to protect ourselves from any changes that our servicer, Ocwen, and lender, XXXX, may make in the future to this agreement we are about to sign. 
1. There is no mention of this interest rate being fixed or variable, even though we were told by our customer relationship manager ( CRM ) that it is fixed. 
2. Even though we had a verbal agreement stated by our customer relationship manager ( CRM ) of a 3.25 % interest rate, our loan terms stated 6.625 %. We believe that we were wrongly led into an agreement under false terms. 
3. I am concerned that our servicer, Ocwen, and lender, XXXX will decide later in the future that they have found an error and change the terms at their whim. XXXX.XXXX XXXX. There is nothing written in the loan terms that protects us, the borrower, from the unlawful and unethical practices of our servicer, Ocwen, and lender, XXXX. 
5. We are concerned that if we decide to sell our house or refi at a later date, that a written permission from our servicer is needed and they may have the right to deny a sale of our home. XXXX XXXX. There is nothing written in the loan terms that states there is no penalty if we so decide to pay off the loan in full before its maturity date, even though this was discussed with our CRM and she specifically stated that there is no penalty. 
We will attach the signed loan term documents for your review.
In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my BOA XXXX credit card. 
On XXXX XXXX, 2016, I paid BOA {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, BOA charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.
My credit report shows an old XXXX XXXX account # XXXX that was opened on XXXX XXXX, XXXX with 30/60/90/120 late months after never having missed a single payment. I had a flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XXXX of XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XXXX XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
I missed a phone call by a week and they garnished my entire paycheck. Wells fargo personal credit line. the XXXX XXXX guy is unwilling to work with me and treats me as if I am ignorant. They will not transfer my account to anyone else and say that he owns my account. He has no empathy. I am a single parent that is a sole provider for my family. I take care of my XXXX mother. I do not get government assistance nor do i get child support even though they owe over thousands of dollars. I am not asking for debt forgiveness, i was paying this based on the agreement. My initial conversation with XXXX was to setup a payment every 2 months and that payment may go up by XXXX dollars each time. I missed the call to setup this month, business of school starting, but I thought I was good - i just paid XXXX last month and XXXX knows my situation as he LIED and stated he knew exactly where I was at in life dealing with this because he experienced the same thing. LIES. That caused XXXX to submit me to charge off department and they removed my entire paycheck of over XXXX dollars. Unethical. My lights are going to be turned off. My phone is too. Not to mention the remaining portion of what I had left to take my kids to get doctor followups and remaining school items are all a scratch. My account is in negative now. Spoke to XXXX and he stated he will not reverse this and proceeded to ask me how I was going to pay the remaining balance of XXXX to which i handed the phone to the banker and had to leave before i broke down. I called the manager he reports to, XXXX XXXX and left messages for a return call. I called her back to back for a hour to no avail and no return call. I was working with you. Now I am not. I am also closing my account with wells fargo after many well vested XXXX years. I can not understand how you are not willing to work with me when i paid for the last 4 months on time. it was up in the air because i took more than a week to return a call on a payment that would have been due in the middle of the month. i have no idea what i am going to do. I am trying to grow., ..get off of government assistance and build credit. at this cost makes me want to go backwards in life. where is the love and where are these credit practices you say you implement on your website?
XXXX debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
XXXX falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
XXXX failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation XXXX intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of XXXX is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Ingo money app stinks, they deceive people into thinking checks get cashed faster when it has been taking me over six hours. This check is good period and they are blindsided, now I have to travel XXXX miles each way to the bank drafted on this!!!
I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.