WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with Mohela ( https : //www.mohela.com/ ). I am in repayment process now and have made several payments on time. However, in the payment history, I noticed that payment was not applied to the principal even for those payment that was paid on time. I contacted Mohela on  XXXX / XXXX /17 and below is the response I received : " Interests accrues daily on federal student loans. Interests accrued between payments : therefore the amount of interest varies with the number of davs that lapse between payments. Payments must be applied first to any outstanding interests, and then to the principal balance. '' The payment that was made a year ago was applied to the principal, but somehow the term of the repayment was unilaterally changed to their benefit. So for the entire year, all of my payments went towards the interest. This is unfair because the payment plan was fixed by Mohela. This is unfair because I would never be able to pay off the loan since the payment will not be applied to the principal, even if it was paid on time.
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Please advice on how to proceed. Thanks.
BETWEEN  XXXX    XXXX ,2017  THRU  XXXX    XXXX ,2017  I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.
I 've noticed a negative account on my credit report that I was unaware of. I, personally, am not responsible for this account and the amount requested to pay is {$410.00}, and as far as the identity theft, that situation has been handled. So how do I go about getting this problem removed from my credit report? What do I need to do other than dispute?
I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.
Last year the CFPB settled a class action law suit with the 3 CRA 's reporting inaccurate public records and for not verifying correctly a list of mandatory items before publishing them. The new law took affect around XX/XX/. At that time I wrote each CRA with certified return receipt mail to remove my paid liens from 7 years ago. XXXX  and XXXX   removed them immediately, however Transunion has not : Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX I have disputed these 3 times electronically, once by fax and via phone on XX/XX/XXXX. 
(XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last week ) My credit is clean and I have worked hard to rebuild it, this information is the only negative mark on my report.
I purchased XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX North Carolina on XX/XX/2018 for {$2100.00} ( receipt attached ). As indicated on the receipt, the purchase was financed through CareCredit Financing account number XXXX. A copy of the Account Agreement provided by XXXX XXXX XXXX at the time of purchase is attached. 
The agreement states, Interest at the rate of 26.99 % will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. However, the Account Agreement does not state promotional period. I was under the impression the account would be paid in full before the end of the promotional period if I paid the specified monthly payment amount.

I enrolled in Autopay and received monthly emails ( attached ) from CareCredit/Synchrony bank with a link to the monthly statement. I knew the payments were automatically deducted and although the emails state the monthly payment amount, they did not state interest charges or the promotional period. There was never a reason to think it was necessary to check the statements. 
In XXXX, I noticed the balance was high. I was shocked when I logged into my account to find I was charged {$860.00} in interest including {$580.00} in deferred interest in XX/XX/2018. That is {$860.00} in interest on a XXXX loan! I am extremely conscientious about paying my bills and have an XXXX FICO score. I have never had an issue with numerous other accounts in which I take advantage of e-bills and autopay. I immediately paid the account in full as soon as I became aware I was being charged interest. 
I clearly would have paid off the loan before the end of the promotional period if CareCredit/Synchrony bank had clearly and accurately disclosed the terms and conditions or included interest charges along with the payment amount in the attached monthly emails. No doubt, it is extremely profitable for CareCredit/Synchrony if consumers are not aware of the promotional period and exorbitant interest charges. I sincerely doubt CareCredit/Synchrony would want to release information regarding 1 ) the number of consumers who have the same issue and 2 ) the amount CareCredit/Synchrony collects as a result. 
The customer service representative ( id # XXXX ) at Synchrony said the information was clearly provided in the online statements and that it would take 30 days to receive a copy of the agreement they have on file. In retrospect, I should have been less trusting and checked my monthly statements. I will not make that mistake again. However, there should never be a question as to whether a consumer was made fully aware of the length or end of a promotional period. A separate notification might be difficult to administer but it would be easy for CareCredit/Synchrony to include the promotional period in the attached Account Agreement and  monthly emails.
On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.
ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
After attempting to close a Chase Amazon credit card account I noticed that I had been charged over {$2000.00} in fees. Keep in mind that the credit card limit was only {$1000.00}. I have disputed the charges but I did not receive any results. It does not surprise me after leaving the military I had a auto loan that was automatically deducted each month. The problem was after I left the military the deductions continued after monthly deposits stopped. The account was overdrawn and before I noticed the account was sent to collections. I paid the day it was supposed to transfer to the collections company but Chase still reported the account to XXXX XXXX. My point being that Chase has a past of not talking care of even long time customers.
this is about t he 100th comp laint about discover i am requesting arbitraiton at their expense as i am alleging disciminatory practices with me. This is the last straw. I am tired of being tracked to superivsors told i have no balance upon which interest is being billed only to get a bill of interest and other.I was told AFTER discover reported me to credit i could get a promo no interest on my card someone would call. Now i am told there is none. This is liken to a predatory loan practice wherein i am being tracked, bulled and being difficult / Bottom line with my overall financial situation i have many legal remeides available. I wont be bullied anymore. I want the promotion. My choice has been to not pay the bill then they report me to credit reporting but the promo of no interest i request is ignored. All CFPB has done is watch my complaints be sent to th e SAME P erson  XXXX   XXXX  who now leaves his name off but still is the sole decision makee who stone walls all my concerns. resulting int he end of 26 YEAR RELATIONSHIP. I will go to court, do what it takes as i currently seek out legal counsel but i will not pay interest be treated differnetly than others, nd be treated as my other complaint indicates like a career disputer. I disputed something and i am treated differently. difficult like i am making it up. I will not stop pursuing no interest on my cards promos there must be. I wont pay interest and i wont have my choice be worse or worser that is pay it becuase dsicover is being difficult or be reported. DO NOT MISSTATE as you have before  XXXX   XXXX  my concerns. I request the person who responds name himself or herself and assist me failrly or i will proceed to protect my consumer rights. No itnerest is being paid on  XXXX  on  XXXX  i was told months ago no interest. all is paid which appears to have been inaccurate. there is no money and no way i will pay these fees. i demand to be treated fairly. if on   XX/XX/XXXX  when i paid  XXXX  i was told there would be asomeone calling me to offer a promo no interest it never happened. i demand it. and will not stop til i get it. if it mea ns ourt so be it. Discover is  prompt in reporting a long good customer who they have totally alienated to credit when i refused to pay  XXXX  but they wont offer me a promo of no interest. then i will file a lawsuit. but i wont be bullied, discriminated against which i am alleging based on the fact that NO issue has been resolved fairly by an unbiased party yet. Arbitration please or court. Whoever answers this MUST id himself. not   XXXX   XXXX   who seems to mis state my concerns, send what i dont ask for etc. I want what i was told i would get or i want arbitration. then i want ouf of there. I want CFPB to note the concerns have never been resolved and i am absolutely alleging bullying. i have not used any of my cards in months and dont intend to. I would have to be reimbursed my time and upset for how i have been treated. bill interest all you want i want promotions of no interest
I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.
My mortgage from Stonegate Mortgage was sold to Home Point Financial, Home Point had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with Home Point several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX  now shows account as closed and no real estate balance. Home Point has not been reporting my current timely payment either. Home Points error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before Home Point ) and years as well as my current timely obligations. Home Point Financial is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.
XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.
I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.
Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!
I reported an international wire fraud scam to the bank relating to a vacation property that we were trying to rent. The person had us wire {$5800.00} to their account and we were later noticed that they did not own the property. I contact Chase to stop the wire at which time the bank told me they request the funds back from the other bank. There was no correspondence from Chase at all regarding this case. It took me calling them repeatedly to track down the right department to give me information regarding the case. When I finally spoke with the right person after contact them for 2 weeks I was told there was nothing they could do because it was my word against theirs. Their lack of timely processing of the wire cancel and unhelpful nature has left me with no options to get my funds back. I find this ridiculous that when fraud is reported they have no obligation to assist their customers in getting their funds back. I am truly disappointed with the level of service and lack of commitment in resolving this issue.
My wages are currently in the process of being garnished for a credit card bill that was 1. charged off by the original creditor XXXX, 2. I have no signed contract with Midland Credit Management , Inc., 3. my rights under the Fair Debt Collections Practices Act and the California the statue of limitations is being violated and has passed on this account. 
I have attached information for your review. If any additional information is required please contact me.
I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. 
Payment for what? I researched CPA, called their billing department. There was no answer. 
Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. 
Now XXXX checked my credit yesterday, XXXX XXXX. 
Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. 

Please check into Credit Protection Association. They may be working with XXXX. May be the same people. 

It 's not right that they scare people like this.
Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXXXXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
I have tried to request a free credit report with Experian and I have attempted to freeze my credit with Experian. In both cases, their online system fails and requests that I send a physical request for the documents.
I attempted to access my annual free credit report from Experian, as guaranteed by the Federal Trade Commission. I submitted my information to access my report, and submitted credit card information, understanding it to be for identity verification purposes. I realized a few months later I had been charged for a monthly " membership '' to Experian, which I had absolutely no knowledge of purchasing and had zero interest in. I absolutely would have not purchased this if it had been labeled clearly. This was a complete bait-and-switch to sell a product buried into a free service guaranteed by the federal government. Upon calling to request a full refund, Experian provided one month 's refund but refused to refund the rest, implying that I must had indeed wanted to sign up for this useless product since I had n't cancelled it immediately ( despite not knowing I had signed up in the first place ).
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX Midland began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX. to all bureaus
Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!