WillisBack/dataset-financial-user-claim huggingface dataset:
I paid of my mortgage loan XXXX early in full on XX/XX/2017 as per the payoff statement provided by Home Financing Center due to many irregularities in the way the company was hiding excess payments as " fees '' or " taxes '', their not applying payments to the account as paid so that they can bill additional " late '' fees and many other problems. They have provided credits when it has been called to their attention but later " miscellaneous '' charges keep popping up to make funds disappear again. To date I have been unable to obtain my satisfaction of mortgage from them even though it has been over a year since paid. They are also continuing to damage my credit all they while they have the payment sitting in " unapplied '' to rack up more late fees. After I requested a refund of the excess payments, all of a sudden I received a purported backdated " legal fee '' cost on the account from one XXXX XXXX XXXX ( F rating at XXXX XXXX XXXX ) to make  the excess funds disappear as I had requested a refund of the escrow account. This " cost '' showed up after the mortgage was paid in full and was not noted on the payoff statement. Home Financing Center needs to lose its ability to service or write mortgages especially FHA mortgages. I would appreciate receiving my satisfaction of lien for my property by the end of this year as it is preventing me from selling it or passing it on to my children causing great damage.
I mailed in a certified debt validation letter to the credit bureaus in reference to the collection company called XXXX XXXX on XX/XX/2018. By law a collection agency must mail in proof that legally shows a consumer is responsibly for the debt. Mailing a bill is not proof that I am responsibly for the debt. XXXX XXXX failed to provide accurate information within 30 days from the date of the dispute letter, and is direct violation of my FDCPA, and my FCRA rights, and has to by law delete this information from my credit file.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via traditional news outlets. 

Going forward equifax should be required to monitor every account, add additional security & verification steps for any new activity, and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not a paid option given the magnitude of this breach. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.
I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse.
Victim of equifax Data breach. Unauthorized hard inquires on Equifax report. They refuse to remove them.
I closed my Applied Credit Card account with XXXX balance on it and the next month, they ( XXXX XXXX ) sent {$16.00} to pay. I refused to pay them the money and then the next month, they added as they so called a late fee of {$35.00} even though the account was closed. I called them, but I did not really remember in which month, but it may be in XX/XX/XXXX.  I discussed the issues with one of their workers. She told me to pay the {$16.00} and the late fees of {$35.00}. I had to pay that amount. The next month, they sent me another late fee of {$35.00} even though the account had been closed. Again, I refused to pay the so called late fee because I did not use the card to purchase any goods. In XX/XX/XXXX, they called me to pay their money and I said no, but the lady convinced me to pay the money and I paid {$77.00} out XXXX. She told me that if I paid the {$77.00}, they will close my account. This was the reason that made me paid the {$77.00} so that they will close my account. The moment I paid the {$77.00}, they sent me balance of {$27.00}. From this point, they continue to add {$35.00} of every month. They are still billing me {$35.00} of every month. Presently, they have billed me a total of {$280.00}. I am really fed up with this people. This is the reason I decided to call consumer financial protection Bureau to make a complaint.
On XXXX XXXX, 2016, I received 4 emails from Wells Fargo Bank, welcoming and thanking me for opening ( 1 ) Wells Fargo Everyday checking account, ( 2 ) Wells Fargo Way2Save savings account and ( 3 ) Platinum Debit card. I also received a thank you for registering to Wells Fargo Online. The problem is I no longer have any WFB account of any kind at the time. I previously held a {$80000.00} credit card which I had cancelled. I also previously had one of my XXXX accounts with WFB which I had since rolled-over to another bank. 

I can not get a straight answer or explanation from WFB about these emails. I am afraid that I may be a victim of identity theft or other financial fraud. 

I am attaching a couple of these emails. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.
XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.
Interest rates keep rising with no explanation. They are continuing to report to the credit bureau that my loan is in default despite payments and forbearance that I have on file
I received a credit card from capital one and have not been able to keep up with payments as of XX/XX/2018 2018
I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?
Ever since late XX/XX/XXXX, USAA has been letting me transfer money from my XXXX XXXX XXXX XXXX account to put money in my USAA checking accounts. But starting about 2-3 weeks ago, XXXX start reshuffling the way they process transactions, and I called them out on it, because it was obvious they were doing it to charge customers overdraft fees. They quietly fixed things and refunded the fees they charged me. However, when XXXX was doing this, it kept causing Returned Items on legitimate money transfers with funds fully available, but then XXXX would recall the money. This set off alarms with USAA, and I was able to fix the problems with both banks ... well, I fixed it with XXXX. USAA restricted my accounts to the point where I ca n't perform transfers, or even use my debit cards. I 've called and faxed USAA and I 've even included the XXXX XXXX XXXX XXXX statement apologizing to me AND USAA for the " honest mistake that should have no reflection on [ my name ]. '' But USAA wo n't do anything for me, and after asking a banking rep how long it takes to return to normal, they replied " weeks to months. '' I have deposits coming into both my accounts from my small business and from family providing money to me, and I ca n't access it. I can look at it on USAA 's website, but they wo n't let me access my money.
REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!
A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.
Telephone number XXXX XXXX have been calling numerous times a day for about 3 weeks. This is not my debt
My BP credit card account changed servicers to Synchrony Bank ( SB ) in XXXX, XXXX, and a series of problems began with SB overhanging, adding unnecessary fees, etc. SB refused to resolve any of the issues, so I quit paying on the account, in XXXX, XXXX. SB only continued to add extra fees and changes, pushing the account over the credit limit of {$1000.00}, which continued month after month. I complained that these tactics by SB were in violation of consumer protection laws, such as the Indiana Deceptive Consumer Sales ACT ( DCSA ) ; which carries a civil penalty of over {$1000.00} per violation that a consumer can collect, plus legal fees and other costs, but was ignored. As I am over 60 years of age, the civil penalty under Indiana law is doubled. As there are numerous violations under the DCSA, the civil penalties that I could collect exceed any amount alleged to be owed SB. 

I am sure that there are also violations of Federal laws as well. I know that SB has been under several Consent Orders for misconduct by the CFPB, and by various state attorney generals, and ahs paid millions in fines. 

I also had another account with SB that was full of errors and problems, as SB had filed a lawsuit against me which had robo-signing, fake affidavits, etc. that an attorney discovered. SB was forced in XX/XX/XXXX to withdraw this lawsuit and judgment. SB still owes me money from that illegal lawsuit, which it has not paid. This unpaid amount would also more than offset the {$1000.00} that SB alleges is owed on this current account. 

With all of these problems, SB last month sold the account to a third party debt buyer-XXXX XXXX XXXX, XXXX for pennies on the dollar without adequate notice. SB failed to inform this debt buyer that the amount of the account is in dispute, and that SB has civil penalties from this account and the other account that more than offset any amount alleged to be owed. 

I will now have the same account reported TWICE on my credit report, and the amount of the alleged debt will be wrong. Hence, I will have a violation of the FCRA that is the result of SB hurriedly trying to sell the account.
I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED EXPERIAN CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY EXPERIAN CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( EXPERIAN ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT EXPERIAN CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
In XX/XX/XXXX, I took out a private student loan with a co-signer while in my XXXX degree program at XXXX XXXX University in XXXX, WI. After completing my XXXX degree, I went on to complete a XXXX XXXX degree and shortly after entered into XXXX school in XX/XX/XXXX. While I continued to be in school the loan was deferred. However, during XX/XX/XXXX, my first-year of XXXX  school, I contacted Navient about the loan as I received a notice that it will enter repayment soon. When I contacted Navient in XX/XX/XXXX the customer service representative advised that I had used all of my deferment periods and could no longer defer the signature student loan. Nevertheless, I was then advised by the Navient representative that because I was still in-school I could make payments of {$50.00} a month. I agreed and started to make payments. 

Subsequently, I would have to call in every month to ask for a forbearance and then make the {$50.00} payment. After making several payments which Navient did not accurately post to my account. On XX/XX/XXXX, I placed a call to Navient and spoke with a supervisor, XXXX XXXX, and it got ugly. XXXX XXXX advised me that Navient is unable to take any more {$50.00} a month payments and either I pay the loan off in-full or make the regularly scheduled monthly payments. I explained that I was a full-time XXXX  student that was unable to work full-time according to XXXX standards and there should be a way to make a payment arrangement. 

XXXX XXXX was very nasty and advised that " I just need to pay my bills. '' I escalated the call to the customer support team and left dozens of messages with the team regarding my complaint on XXXX XXXX. Unfortunately, I was not able to reach a live person and towards the end of XX/XX/XXXX, the loan became seriously past due. I am upset because I have kept all of my student loans in good standing but ever since Navient took over this loan from XXXX XXXX their customer service practices has led to this defaulted private loan. Navient 's continued unwillingness to make " reasonable '' payment arrangement with a full-time enrolled XXXX student has caused both myself and my co-signer to suffer harm with all three credit bureaus. Moreover, I have done my due diligence in trying to keep this loan in good standing. 

Further, on XX/XX/XXXX, I received a letter from Navient advising that I was overcharged forbearance fees and that I had received a refund of those fees on my account. My issue is that nothing on my account was reported accurately and up-to-date I am not able to see a full listing of all my {$50.00} payments that were made. 

Lastly, the private signature student loan that was originally taken out with a principal of {$2300.00} but has grown to {$4400.00} with several late fees, should not be seriously delinquent as I am willing to set-up a payment arrangement. I need assistance in dealing with this Bully of a Loan Service Provider. Navient 's customer service department does not seem to understand how they are negatively impacting people 's lives by deliberately and intentionally causing responsible borrowers to default on their loans. It must stop!