WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.
I checked my credit score on XXXX and it says that I have a derogatory mark on my credit from XXXX for XXXX in 2013. This is my XXXX time checking my credit in a while. I have never had a XXXX account nor do I owe anyone XXXX dollars.
I was contacted by Central Financial Control about a medical bill, I explained I needed proof of the charges, I was told if I did n't pay the bill in full it would be reported to my credit. I paid it in full but they still put it on all XXXX credit companies. I have explained to them that I never visited XXXX XXXX XXXX but they insisted I pay {$300.00} or risk hurting my credit. I have disputed this claim with them and they refuse to correct my credit. I was told it was a crime to have services preformed and that I was refusing to pay my debt. they made me feel like a dead beat, I paid the {$300.00} to avoid issues.
To whom it may concern : In the beginning of the month of XX/XX/XXXX, I received in the mail a manila envelope marked priority mail 2 day with 5 personal money order checks Citibank logo. The amount was for {$850.00} each check. The checks were marked XX/XX/2018. I brought them down to my bank at XXXXXXXX XXXX, spoke to the bank manager who verified that the checks were real, said it would take 24 hours after depositing the checks into my checking account to clear, then I would be able to withdraw, having the balance in the account. I waited. After the 24 hours, I withdrew XXXX of the money to start paying off bills, doing groceries and gas. On XX/XX/2018, I received a letter from my bank, dated XX/XX/2018, stating that they were taking back the 5 check amounts of {$850.00} each. I called the customer service number, that is 24 hour help, spoke to a representative who said that what was showing was that Citibank was now saying that they were not going to cash the checks. 
On Monday, XX/XX/2018, I called the Citibank customer service number. The gentleman I spoke with could not verify why without speaking to the person who sent the checks. All I had to go on was the name on the envelope. ( I have included pictures as well of the 5 checks with the envelope. Also the letter from my bank with copies of the checks ).

Right now, my account is negative almost {$3900.00} because of this. ( Please refer to picture included ). I am on a very limited income and can not afford this. 
On XX/XX/2018, I have received another 5 checks in a manila envelope, in the same amount just with different person and address on the envelope. ( Please refer to included pictures ). 
On closer look to the checks from both times, everything is the same. 
Please help me what to do about the negative almost {$3900.00}.
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.
I Called XXXX XXXX And trans union trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX  and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Previous credit line : {$20000.00} Current credit line : {$5000.00} at one point it was at {$1000.00} on XXXX/XXXX/XXXX I paid my full balance of {$19000.00} after being a Natural Disaster victim of XXXX XXXX. My business in XXXX has suffered with all my contractors in the center of the storm with all my inventory. 

Anyways, I called XXXX XXXX XXXX in regards to my situation and it got dismissed. Then before I paid I saw my credit line still at {$20000.00}. So I decided to pay my balance to free up my available credit. By doing so, Barclay decided to reduce my card line to {$1000.00}. After frightening seeing that I called and after a long call they increased it to {$5000.00}. 

Barclay never notified me in any way ( mail, phone call or email ). Please help increase it back to {$20000.00}. I called again and they refuse to help me.
In 2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
Exeter Finance has granted deferred payments on this account and they say that they didn't process the paper work on time so that made it late. They say that they record phone calls so the proof will be there that we were never late on this account and yet they refuse to fix it and they will not let consumers talk to the credit department personally.
I was contacted by XXXX XXXX XXXX in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
On   XXXX   XXXX   XXXX   I discovered a Chapter  XXXX  Bankruptcy had been re-inserted into my credit file by Equifax. This item was previously deleted on or around   XXXX   XXXX  . The credit bureaus are required to notify me withi n five ( 5 )  days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an Equifax representative name  XXXX  today, she stated it was reinserted from a notification they received from  XXXX . This makes perfect sense because I recently file a complaint about  XXXX  on   XXXX  . She also stated that the item is in dispute based on the information that   XXXX   sent to them. This is very concerning to me, for one how can they report something based on  XXXX  & furthermore, put it in dispute based off that same notification? I never gave   XXXX    permission nor authorization to share or furnish my information with anyone especially another bureau. Both Equifax  &    XXXX    have violated the FCRA & upon checking their website to view my report, it states this information was furnished by   XXXX   XXXX   ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from Equifax dated   XXXX   XXXX   XXXX   in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that Equifax please delete this item immediately &  XXXX  refrain from sharing any of my information with other bureaus..
DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.
I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. 
The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. 
I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. 
From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. 
This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.
I've disputed incorrect address to credit karma in XX/XX/2018, as well as to XXXX on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
Seems that 2 months ago Navient committed two illegal acts : -WITHOUT MY REQUEST OR CONSENT changed my accounts arbitrarily to be in deferment status until XX/XX/XXXX or so of this year -INCREASED interest rates from 6.79 % to 8.25 % - I sent several additional payments made directly FOR PRINCIPAL ONLY. and they are not been applied accordingly to reduce the primary debt I never applied for any kind of deferment nor requested any kind of changes. This is a repeat problems as about 18 months ago they did the same. Why are these rats allowed to do this? They have been sued repeatedly across the nation for such misconduct and yet the government still allows them to continue to do this. 

I demand a full investigation and removal of all financial charges created by this fraudulent transaction.
My student loan servicer is Navient. Their website has offers no way to do an additional payment ( in addition to my monthly regular payment ) online, making it unnecessarily difficult to send in an extra payment and to make sure that it goes directly toward my loan 's principal. My wife uses a different servicer, and it is clear and easy to make an additional payment.
I was behind 1 month when Hurricane Irma hit and business income tanked. I called Loan Care to see if they could offer any assistance and they provided that they would put a hold on all late payment fees and negative reporting to the credit bureaus for 90 days; however, they continued to robocall me everyday and send loss mitigation letters to my home while I remain behind on my payments, which is now 3 months in XXXX. My complaint stems from them charging me an inspection fee of $XXXX every month I do not pay even though I made it clear to them that I intend to keep the house and make payments as soon as my income recovers from the hurricane. I do not agree with having to pay for a service that only benefits the mortgage company. If they want to ensure that the home's value is not below the debt balance they can pay for that service as a cost of doing business. I would understand the charges if I failed to communicate with the servicer and did not inform them of my situation and intent to make my payments in the near future; however, they also do not accept partial payments making it more difficult to accumulate enough income before other costs can eat up my funds. While other creditors defer or offer to skip payments, Loan Care really does not offer any real assistance to those affected by the hurricanes. Considering that mortgage companies have their loans secured by homes, it makes no sense why they cannot offer better assistance or consideration.
In XXXX XXXX 1990 I 've purchase a mobile home and finance it thru XXXX XXXX XXXX located in XXXX XXXX XXXX for 20 years, when the loan was paid in full they were supposed to send me a tittle, never received any documents from this company, now few years later I 'm trying to sell my mobile home to find out that Greentree still as a lien holder on my property that was fully paid long time ago, After many many phone calls to Greentree ( now Ditech ) finally got some documents but they are photo copies and the lien satisfaction letter is not an official form signed by this company even though Ive faxed the form to them the DMV can not process a transfer without the original title and a lien satisfaction form, I 'm tired to called them without results, I need some help so i can transfer the property to the buyer they told me to go to the DMV that there is not issues but the DMV tell me different and in the mean time there is not solution.!!
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?
According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.
On my credit report from Experian, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. Experian told me to send a letter for they could not find said acct over the phone. 

Experian also report an account from XXXX XXXX XXXX XXXX acct XXXX. I want that account to be erase from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX  from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. Experian did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.
LoanCare applied the mortgage payment for the month of XXXX and XX/XX/2018 to the wrong loan # and filed a late payment report with the credit agencies causing my credit to drop substantially. 

I contacted LoanCare and addressed the situation by providing the requested documents ( proof of payment with a bank letterhead showing the debit on the bank as well as the transaction numbers for confirmation ). 

I have contacted LoanCare multiple times ( Emailed 3 times to follow up, called 3 times ) and they have not applied the payments for XXXX and XX/XX/2018 to loan. 

During the most recent phone call, I was specifically told that my situation is being elevated to a supervisor and I would be contacted via a phone call in a couple of hours. It has officially been a week and I have yet to receive any correspondence. 

This company has made this mistake two separate times now ( promising contact for a resolution and not following up ) and have been completely unprofessional. I recommend you avoid them if possible.
I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.