WillisBack/dataset-financial-user-claim huggingface dataset:
I 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )
XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.
The Law Firm of Abrahamsen XXXX has been calling me for the last year or so. I had asked last year for either proof of the debt owed or for them to stop calling. Neither has been done. I have run my credit report - there are no active debts on my report. I 've resorted to blocking their number on my cell phone, but they continue to call at least once a week.
A person named XXXX XXXX has been harassing a friend of mine, XXXX XXXX ( XXXX ) XXXX and demanding that I contact him. XXXX has asked him to stop but he continues to harass. I understand that XXXX . XXXX operates a small debt collection service XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX. He uses a Louisiana phone number XXXX. I have researched XXXX . XXXX and his company and discovered that he has been the subject of numerous complaints for phone harassment and violations of the FDCPA nationwide. I am familiar with all applicable statues and can state unequivocally that I do not owe any debt collectible under the XXXX. XXXX XXXX ' conduct in calling third parties, using false phone numbers, harassing calls and potentially attempting to collect a claim barred under the XXXX are all FDCPA violations. I am a XXXX year old veteran. I do not want to be harassed by this individual. I want him to cease contact.
Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
A XXXX XXXX account is being reported on my credit file on both Equifax and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that Equifax is using to validate my information as reported by XXXX. 

I've disputed it with Equifax, XXXX and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by Equifax stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
When I refinanced my home in 2006, the broker placed a {$2500.00} home insurance on my policy that I never agreed to. Eventually the loan was sold to XXXX XXXX XXXX and they contracted Select Portfolio Servicing to collect payments. In 10 years, {$25000.00} have been added to my loan in the form of forced hazard insurance on which I have to pay interest. Select Portfolio Servicing refused to cancel this insurance and I now have my home owner 's insurance which I paid myself to XXXX XXXX. Last year, Select Portfolio Servicing told me on the phone they would take it off, but I am still being charged for it. They have been found liable in the State of Florida ( XXXX Class Action ). 
Also, they do not respond to my mortgage modification application, except to place a door hanger on my door stating I am late on my payment and to contact them, plus sending a letter asking to cure the outstanding balance within 3 weeks or risk foreclosure. 
The amounts over the regular monthly payments do not get applied to the outstanding balance, but are put in an unapplied payment account, no doubt earning Select Portfolio Servicing interest.
I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed XXXX hard inquiries on my credit report. 
I contacted BB & T and explained the situation. The agent ( XXXX ) I was speaking to had her Supervisor ( XXXX ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. XXXX send a dispute request to the XXXX to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion we had and I figured everything was solved at this point. I never received the email confirmation. 
A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( XXXX ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T XXXX department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the XXXX credit reporting agencies. 
I first contacted XXXX and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. 
That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal XXXX department found they were not at fault for the XXXX unauthorized hard inquiries on my credit report.
A company called perfection collection appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company perfection collection is trying to collect
I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.
This man name XXXX XXXX from Springer Collection has been calling me back to back everyday since XX/XX/XXXX about a bill I owe back in XX/XX/XXXX which I do not remember. I told him i will try to get a loan to pay the {$2600.00} but I didnt get one. He call 4 times a day or more he talked to my boyfriend in told him that if i knew better i would get back to him, i owe this money.
Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.
Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.
I have a credit card with Walmart, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. XXXX XXXX is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
On XXXX XXXX, 2017, I was told by the Best Buy store in XXXX XXXX, Arizona, that if I opened a Best Buy Credit Card I would receive reward vouchers for 10 % of the purchase 16 days after I paid off the balance. The reward amount was {$90.00}. I paid the balance on XX/XX/XXXX. On XX/XX/XXXX, I wanted to make a purchase, but was told in the store that the last voucher, for {$45.00} was not available. I called the help line XX/XX/XXXX and was told it would be available on XX/XX/XXXX, but on XX/XX/XXXX, having gone to the store again, it was not available. So I called XXXX again and was told the voucher would not be available until XX/XX/XXXX because of a computer problem ( in point of fact it was not available until XX/XX/XXXX. ) During the phone call on XX/XX/XXXX, when I pointed out that I had entered a contract with Best Buy with the understanding that I would be given {$90.00} by a certain date, the Reward Department acknowledged the discrepancy and transferred me to the Refund Department. A person called XXXX told me I would be given a {$99.00} reward to compensate me for my trouble. I was given the transaction number # XXXX On XXXX XXXX, 2017, I checked my balance, and there was no refund for {$99.00}. I again called XXXX. XXXX in the refund department acknowledged the existence of the transaction number regarding the purported refund, but said that his department could not provide a refund for in-store purchases. After a total of an hour and a half, on the phone, I spoke with XXXX, a supervisor, who told me that if I take the receipt back to the store, the transaction could be processed again, and I would receive the amount of the reward vouchers. This was not true. Throughout this entire problem, customer service kept insisting that it was the local store 's error. I was never given false or misleading information from the store, only from the customer service connected to the credit card. On XXXX XXXX, 2017, when I went to the store, the store manager lowered the price of the item so that I would be credited {$90.00}. In other words, the customer service department associated with the credit card made the local store pay for it 's false advertising and false promises. I believe Best Buy lured me into purchases twice with the promise of being able to provide me with rewards, first on XX/XX/XXXX, when I was told I would have vouchers, and then on XX/XX/XXXX, when I was offered a refund in lieu of those vouchers. My concern is that other consumers are being lured into making purchases at Best Buy with a confusing rewards program and a customer service department that can not adequately provide consumers with information or solutions. The store personnel and the customer service representatives are put on the front lines of bad corporate policies that make them the fall-guys when someone notices a discrepancy between the promised benefits and actual transactions.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Lowes Credit Center keeps calling our business & hanging up. We have told them about 13 times already to remove our phone number out the list & that whoever they 're trying to contact to use their personal phone & our staff ca n't recieve personal calls. They are disruptive to our business. They say they remove our number but we still get the daily all day hang up calls. By the way they also violated privacy of the person they were really calling by telling me the name & reason for their call.
XXXX ( coinbase ) XXXX experienced a flash crash around XXXX PT on XX/XX/XXXX. The price of ethereum traded went from over $ XXXX/coin to {$0.00} / coin in a matter of seconds before climbing back up to around the original value. This liquidated assets of literally every account that had a margin trade open and everybody lost all of the money in their accounts. I myself lost over {$30000.00} worth of ethereum in seconds. Many others lost more. I 'm sure the total losses were in the tens of millions of $ or much higher. This is absolutely absurd because no person could predict susceptibility to this kind of Market manipulation. It 's not acceptable for the exchange to expose their users to risks that can make them lose everything at such a moment 's notice. The Exchange needs to reverse the transactions that happened at this time, as it is currently they lose all credibility and their attempts to protect what happened as valid puts their relation to the matter into question!
On XX/XX/XXXX, I received a report in the mail from Equifax. The following address is showing up on my credit report : XXXX XXXX XXXXXXXX CT, XXXX, OH XXXX. However, I have never lived outside of XXXX. The only other former addresses appearing on my report, if any, should be from XXXX, XXXX  between XXXX. I believe this may be someone else 's address with a similar name. I have tried to report this to Equifax, but I can not even access or verify an account with them because they are confirming with what I believe is this misinformation. This address and any loans associated with it are not mine.
On XXXX XXXX, 2018 I received an email from Citi Bank that they decreased my credit limit! In fact, this impacted and affected my credit score greatly! In the meanwhile, I contacted a representative and I was told that the decrease was due to a credit report change! So I contacted XXXX and they told me that my credit score went up and they could see no reason other than maybe that an account was closed! So I contacted Citi Bank once again and was then told that my account was decrease due to some information from XXXX! I then contacted XXXX once more to be told that they had no control over whether Citi Bank decreased or increased my credit limit! Overall this is affecting my credit score and other creditors from giving me credit! This is unfair and against the fair credit act!
I have faxed several mortgage modifications with financials to my mortgage company Penney Mac. My income was reduced when I became XXXX, Penney Mac doesn't want to work with me to reduce my mortgage payment. 
My attorney has filed and injunction to stop them from foreclosing on my home. 
A foreclosure property sale is set for my property XX/XX/2018 and there is a restraining order in place to stop the property foreclosure sale. Penney Mac is discriminating against me and they refuse to respect consumer rights and federal guidelines