WillisBack/dataset-financial-user-claim huggingface dataset:
I paid citibank {$450.00} which left a credit of about {$150.00}. As of XX/XX/XXXX, I  had a remaining credit balance of XXXX. Citibank sent a check to me on that date, with a notation my account saying I requested the refund, which I had not. I haven ever received the check and cashed it, as verified by Citibank during a phone I recorded with them on XX/XX/XXXX. 

The total charged from XX/XX/XXXX to present are XXXX, which would leave a credit balance of XXXX, but they charged me late fee and interest of {$25.00}, which they refuse to remove, which leave my account past due. 

The mistake is theirs. Until I receive and cash a check, they still have my money. They sent money I did not request. They are applying the check back as a credit but not dating to remove the late charges and interest fees. 

I spoke with an account supervisor XXXX ID number XXXX, who refused to remove the charges until I made a minimum payment of {$25.00}. He said the account was late. I can not have a late account when my credit would still be over {$7.00}. The only thing making the account late is their late fee and interest, which should not have been charged. 

I had this issue before last year. The company is refusing the interest and late fee refund saying that I had a courtesy one before. The last refund was not a courtesy. It was this same exact issue. It took 3 months to get the check and they kept charging fees and interest, when it was their error
I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}
I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.
A letter was sent from XXXX XXXX XXXX XXXX XXXX about a walmart credit card by XXXX XXXX. 

This company, walmart credit card XXXX XXXX changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me
approximately  XXXX  of    2007 Peop  le 's United  Bank  I r eceived a 15 year loan of {$300000.00} for repairs on m y  XXXX family home.  I am in t he 11th year of   the loan and upon requesting a payoff statement for a closing to take place in approx. 2 weeks, to my astonishme nt People 's United B ank, CT has tacked on a pre-payment penalty of {$13000.00}.   A pre-payment penalty figured out by this bank without even showing me the formula used to calculate it. No interest rate. They say " the guys in secondary figure it out ''. I need help navigating this maze of Bank greediness and criminality. Please help. P.S. The loan payoff is approximately {$140000.00} so the  PPP i s close to 10 %. This I feel is egregious and should not stand.
I am attempting to get a mortgage approval to buy a home. 2 of 3 credit agencies allowed my credit reports to be pulled by the finance company. Equifax however did not allow my credit report to be pulled because it was locked. 

I called Equifax 's XXXX number three times this morning. Their automated system makes it impossible to speak with someone to fix this. 

I then obtained a secondary Customer Service number of XXXX XXXX. I called it this afternoon and a woman that barely speaks English asked me multiple questions about past mortgages, past loans, addresses, date of birth etc. and said that I was authenticated. She then determined that my current address that I have been living at for over a year and a half was not updated. She refused to update it on the call despite having already authenticated me. 

A third-party company that has incorrect information about me should not prevent me from buying a house. THIS IS RIDICULOUS!
I am currently paying mostly interest on an XXXX loan. I am being crushed. I am also told by Navient that I am not eligible for any kind of feasible repayment plan. I am unable to even make a dent with the affordable payment that I am currently enrolled for, as all I am paying is interest. No one on the phone seems to be able to help, or listen. They just keep repeating the same canned information and offering me a payment that is way too high for what I can afford. It also seems convenient that my largest loan amounts have the highest interest rate. 

Because of my husband 's income, I am not eligible for any forgiveness, but he spends his paycheck making up for the deficit that is caused by these enormous payments, that do n't make any difference, other than filling Navient 's pockets. And I work mainly in non-profit and XXXX in Michigan, where I struggle to find full-time work, as there are significant economic problems within the state itself, so most of my meager nonprofit or XXXX paycheck goes toward paying the interest on these loans. 

I was severely unemployed for several years, due to the country 's economic downturn, and relocation, and I am currently paying interest for the country 's mistakes. Meanwhile my debt goes nowhere. I am sure that pleases Navient, and understand that I am most likely wasting my time contacting them, or fighting this issue, but wanted to make an effort before moving beyond to either filing for bankruptcy, or other measures to resolve this issue. 

I understand that I took out these loans, and I understand that I need to pay them back, which is why I signed the agreement. I did not agree to be unemployed, and underemployed for several years. That was not my choice. And because I was not technically on unemployment, because I chose to not be a drain on the government resources, and work part-time, minimum wage jobs to survive, I am being punished. I could not have anything waived, because I was working part-time, but the interest kept accruing. I have been gainfully employed for a few years now, luckily, but I am being literally crushed by the interest on these loans. I lie awake at night worrying about this, forcing myself to resign to the fact that I will be paying Navient 's interest for the rest of my life ( and I am XXXX now ). I know many people that have already thrown up their hands and just stopped paying, but I choose to be responsible, and know that I signed on to borrow the money, which is why I am still paying.
XXXX charges higher interest and I do n't believe to be amortizing my loan correctly.
I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information
I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan
XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.
The apartment complex turned my information over to a collection agency without my knowledge and after telling me I owed nothing. I have tried to get this cleared up with no progress. the corporate office refuse to respond to me or the XXXX. Phone calls, and emails have not been responded to since XXXX 2015.
We applied for a loan with emortgage. 
They sent GFE1 on XXXX XXXX. 
When I received the faith in lending terms interest rate was above my " locked '' in rate. 
On XXXX XXXX, appraisal came in low and emortgage said they would have to modify costs. 
On XXXX XXXX, they sent GFE2. 
On XXXX XXXX, they sent us an initialed copy of the HUD1, in which the amounts matched the amounts in GFE2. 
When signing final loan documents HUD numbers were significantly raise in the section marked numbers that can not change by over {$7000.00}. 
In addition, we never given the Special Information Booklet, and they mistakenly left my wife off the loan documents. 
Lender was very unprofessional in discussions and directly instructed my agent not to contact them further.
Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding
I received a call today from Central Mortgage Company today telling me they had not received my XXXX or XXXX payment. this is the 3rd call in the past week. I told them my new mortgage loan was with guaranteed rate and the mortgage payment to them was cashed by my credit union on XX/XX/XXXX. They said my loan was reassigned and i needed to get the money back from guaranteed rate and pay central mortgage or i would be subject to late fees and adverse credit consequences. When a loan is reassigned are n't they obligated to forward the payment? Is this follow up my obligation?
I am in the Public Service Loan Forgiveness program with XXXX XXXX. I received a summary of my qualifying payments in XXXX. It left off 3 obviously ( and previously ) qualified payments I made. Since XXXX, I have called multiple times to have these qualifying payments recalculated and I keep getting differing opinions about how long it will take to do so ( three months was the average ). Now, it's been five months and I just called and now they say they're only working on requests from XXXX, 2017, 6 months prior to my complaint. To calculate forward from that, they're saying it will take about a year to correct their mistake!?? That is unacceptable to any one. What other financial institution will say to a customer that it will take a year to correct a mistake they made?
On XX/XX/18, at XXXX, I saw a posting on XXXX ( XXXX XXXX XXXXXXXX ) for sporting event tickets. The events was a hockey game, XXXX v. XXXX, that same evening at XXXX. I contacted the seller and offered {$200.00} for the pair. The seller responded in the following way : " Yes for the pair. Payment are done with XXXX. Will need your first and last name and the email you use for XXXX ''. I agreed to the sale and sent the seller my name and email. I subsequently went to my Wells Fargo ( " WF '' ) banking app ( my WF account : XXXX ) and sent {$200.00} to the seller using XXXX. The seller 's name was XXXX XXXX and his email was XXXX. After sending the funds, I contacted the seller via email to inform him that the money transfer was complete. I waited and waited for the seller to send me the event tickets via XXXX, but I never received the goods. I sent follow-up emails to the seller, but I did not get a response. I next resorted to contacting my bank, Wells Fargo. I spoke with at least five different people at WF,  including XXXX ( an escalation specialist with WF customer service ), XXXX ( customer care team ), and XXXX ( online customer care ). In short, all WF employees informed me that their hands were tied since I was the party who knowingly initiated the transaction. I complained to them about not having fraud protection in these types of circumstances despite being a loyal customer for about 30 years and the fact that I used their mobile application to complete the transaction. They indicated that they could not investigate the fraud claim further. I informed them about the misrepresentations WF appears to make as it relates to XXXX. XXXX is heavily advertised on the WF website and app, which gives the impression that it's a reliable and protected method to send and receive currency. WF didn't appear to care about my complaints. The last WF employee I spoke with said that they would create a WF case ID number for my complaint ( # XXXX ) and that the case management executive office for online banking ( XXXX ) would contact me within 24 hours to further assist me.
It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.
While I 'm at work XXXX of my co-workers have received calls from United Auto Creditors. The number is private when incoming. The name given was XXXX. He called XXXX in one day. He called on XXXX XXXX, 2015. He spoke to XXXX different co-workers. 
He requested personal information from them regarding me. My company does not allow personal calls unless an emergency. He stated to both co-workers that this was an emergency. United Auto Creditors have been told numerous times to not call my job and it has gotten worse. My boss has been notified of this by my co-workers since they stated the caller seemed strange and attempted to get personal information about me.
I am a cosigner on an XXXX. The load has gone into collections because none of the benefits of VSAC loans are attached to this loan. There are no reduced payments, no deferments and I am not allowed to consolidate this loan because it is a private loan. I filed for bankruptcy a few years back and the loans were not discharged even though they are private loans. 

The loans have gone into collections and I was told that I would be allowed to have a hearing based upon hardship. VSAC placed an offset on my tax return that I had intended to use to pay my Federal taxes. I was expecting to receive a property tax rebate that is based on my income and my ability to pay my property taxes. This money has been used to offset my VSAC loan. VSAC sent me a letter telling me they had confiscated my tax rebate and that I had a right to a hearing upon request. I sent a letter to them requesting a hearing and was denied. I rely on this money to pay my property taxes to my town. 

I have not been able to work out any arrangements with the collection agency. When I spoke to a representative from VSAC on the phone she told me to speak with the collection agency eventhough VSAC is sending me correspondence. 

I would like some help with working this out with VSAC. I would like a hardship hearing and I would like to know why private loans are not being discharged in bankruptcy. I still have bills that need to be payed before my loans.
XXXX, XXXX posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. XXXX then resold to Diversified Consultants who assumed the new right to collect.

Diversified Consultants posted a collection to both my XXXX  and XXXX  credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
beginning ofXX/XX/XXXXi had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated items are under investigation and transunion has not done nothing. 30 days has passed and i senet my second request to XXXX   and transunion, XXXX  stated under investigation and transunion did not even said anything which i decided to come here for help. please help me.
Please restrain yourself from making absolutely useless regulations - or preferably any regulations. EXAMPLE. I have had a closing delayed by over three weeks and now found out that I need to wait an additional three days to close because of your regulations. This is costing me thousands of dollars in hotel costs and animal boarding costs for absolutely no reason. And the lender is so afraid of your omnipotent and unrestrained powers that they wo n't do the sensible thing and just let me close the blessed deal. You will never be able to protect stupid people from doing stupid things and the rest of us who know what we are doing do not need or want your supposed protection. If you have to do something to keep yourself busy, just give data and information. If it 's useful, then I can choose whether or not to use you instead of forcing me to vote XXXX so that you will be defunded.