WillisBack/dataset-financial-user-claim huggingface dataset:
attempting to work on refinancing my mortgage on my primary residence to reduce my monthly payment, putting down extra funds as l planned before my last closing and eliminating the PMI on my mortgage, my bank loan officer, XXXX XXXX of XXXX Mortgage discovered that my capital one business credit info was reported on my personal credit report thereby adversely affecting my credit scores because of the high balance. l politely called capital one to dispute this. They flatly told me that even though it was wrong to see my business credit card info on my personal credit report, that they will not remove it. l was told that it was their company policy to report business on personal whether the law allows them or not. 
Over the past 3-5 days since XXXX . XXXX told me this, l talked to ( 1 ) a supervisor XXXX identified as Employee # : XXXX and XXXX other agents on this matter, ( 2 ) one being XXXX identified as Employee # XXXX while ( 3 ) the lady who spoke to me on the first day that l do not have her information. The first agent told me that they will send me the card member agreement containing terms and conditions ( attached ) where l will find all information guiding them after l mentioned that l was never aware or made aware of this as their model of reporting. She asked me to call back when l received agreement so we could resolve further issues. That l did when l got it, read it and did not see the reporting of business credit info on personal credit info and that when l called again asking them to furnish me any disclosure concerning this that l was made aware of but that l have perhaps forgotten. XXXX told me that they are not obligated but that l could either pay off my balance or close my account with capital one. What a blackmail? 
XXXX insisted that there is absolutely nothing they can do and having been told that before in the past, no matter how long l called to insist on my argument, that they will not budge. When l asked him to give a piece of information in the law that authorized them to do what they are doing, he went blatantly refused, asking me to find it myself or call my lawyers. That seems to be rude and additional blackmail. 
So at this time, l am asking the bureau to help me look into this because l could not find the relationship between a business credit info and personal info being comingled like this despite a guarantor relationship which l was made aware the first time l got business credit that it has to do with liquidation and indemnification in cases of bankruptcies. 
This argument is critical in that l for one do not have or want any personal credit card in excess of $ XXXX unless in real estate transaction ( which l do almost yearly ) since l never had any need for those. If l knew or made aware of it, l would have outrightly rejected the increases capital one unilaterally made on this card from $ XXXX to $ XXXX, then to $ XXXX and later $ XXXX. And even if l have the money to pay off my balances, should that not be by my choice, not by force or with these kinds of threats and blackmails?
I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.
Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.
As of today, I received a letter from Chase Bank on my XXXX  account. They are raising my interest rate on future purchases. I have never missed a payment, gone over the limit, and have honored my end of the agreement since day one, and I have been a customer for over 10 years. 
I immediately called to inquire as to why this was happening and was told it was a just a company wide " business decision ''. Furthermore, I inquired as to how payments are applied and was told any amount of payment over the minimum, after interest is paid, is then applied to principal with the LOWEST interest rate first. 
This is simply not acceptable, and I see this as a predatory lending practice. Changing the terms of agreement in any business relationship without cause is simple greed and bad business practice. I asked to reject it, and they reminded me I a can close the account, of course per the card member agreement that would allow them to demand the balance in full.
On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.
As described to XXXX XXXX : XXXX XXXX XXXX Account was used fraudulently by my previous roommate, ex boyfriend. I sent this bank an affidavit and called s number of times. Over XXXX in Fraud Charged
They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.
I have disputed these accounts as being fraudulent and not my accounts or opened by me. They have refused to remove the accounts or have removed them at XXXX time and then re added them to my credit file.
My report is not reflecting the correctly that I have paid down my consumer debt on credit cards to 36 %. XXXX has reflected that in their report and given me XXXX. XXXX XXXX and Experian are lagging and under reporting my score.
I was trying to cancel a credit card on a home depot account that I did not know I was associated to and have not ever had a card for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this card was negatively affecting my credit score. Upon calling ( called on XX/XX/2017 at about XXXX XXXX  EST ) I was not able to do anything because the only ways the representative could look up the account was through : 1 - Social security number, 2 - Account number, 3 - Phone number. 1- Social security number, I have never had this information on the main user 2- Account number, I have never had this information either 3 - Phone number, I have had this phone number deleted for a few years, it may have even changed since the inception of the account. 

After pleading with the rep, he was unwilling to explore any other way to look up accounts, even after explaining the situation a little further. I was very frustrated and stuck with no options. As a national company I am sorely they did not offer any other options or help with this issue.
I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),
I received a call today at XXXX from a man who said he XXXX XXXX representing GC Services. He said the call was being recorded. He said my daughter XXXX used me as a reference so I thought she applied for a job. When he asked me what her current job title was I became suspicious and told him she was a XXXX XXXX XXXX, which she is n't. Then he asked for an updated address and I stopped him and asked who he was again and who he worked for. He complied and I informed him that I was also going to record the conversation. At that point he said he would remove my phone number from my records and hung up. I do n't know why he was calling me about my physically challenged daughter but I do see where GC Services was recently fined {$700000.00} for unlawful tactics in debt collection. Apparently the fine did n't matter.
XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.
I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.
My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you
I am  XXXX   XXXX  due to a   XXXX   XXXX   and was misinformed of how the debt would be paid back. I was in an open chapter  XXXX  bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in  2014  when I was living in  XXXX  and now live at my moms house in  XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a  XXXX  benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.
Around XX/XX/2017 my account was closed by BOA for suspicious activity on funds that were deposited by an authorize person I had given my card to due to my illness. My account was then closed by BOA. I called several times to follow up and even disputed the fact that I was not the person who deposited the funds so I was unaware of the situation that had occurred. When closing the account, a charge I dispute months early due to debit card fraud was placed back on to my account stating I owed them. I then asked to dispute it again and they said I could not due to the account being closed. Now I have negative reporting on my consumer report.
I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; Capital One Bank and their collector XXXX XXXX XXXX, XXXX. I notified both creditors on XXXX/XXXX/XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XXXX/XXXX/XXXX, I was XXXX years old when the account was opened. I received a response from XXXX XXXX XXXX XXXX that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XXXX/XXXX/XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XXXX/XXXX/XXXX pointing out that I was XXXX XXXX XXXX when the accounts were opened. On XXXX/XXXX/XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and XXXX XXXX XXXX.
We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.
Broken lease that was placed on my credit report account with XXXX on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX Apartments Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service XXXX Buerau /XXXX Apartments {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX Apt XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX Apartment Homes per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect XXXX of all it reflects a different amount then the amount owed, XXXX it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.
I made a payment in XX/XX/XXXX for the XX/XX/XXXX cycle. It reflected a double payment in that month and the credit company reported 30 days late to my credit report. Customer service manager ( XXXX XXXX # XXXX ) was rude and unhelpful in clearly explaining why it was reported that way. No one from the company contacted me or my wife to alert us to a potential problem. It appears that they were more interested in collecting fees than advocating for their customer. When I called back to report document a complaint I was put on hold for 30 minutes and was then told that their " system '' was down.
I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.
In or about XX/XX/2018, our mortgage with XXXX  XXXX XXXX was sold to ShellPoint Mortgage Servicing. Due to our pay schedules, we have been paying our mortgage ( even with XXXX ) after the XX/XX/XXXX of each month but never in arrears. We are not behind on payments. However, Shellpoint has taken to harassing telephone calls ( multiple times in one day and at all hours without leaving any messages ) in violation of Mass Consumer Protection Laws and the revised mortgage laws ; has been hand delivering letters ( not in-hand service or mail ; just leaving letters jammed into our door which is not considered good service in MA ) threatening to commence foreclosure actions ( even though we are not even 1 month behind ). Additionally, in XX/XX/2018 I received notice from our homeowners insurance company that ShellPoint had failed to make our yearly homeowners insurance payment on time ( ironic considering the circumstances ). We pay by phone and the company offers no options to pay additional amounts, as we used to do with XXXX, therefore our late fees are accumulating on top of our principal. Lastly, no Assignment of Mortgage is on record for our XXXX loan.
I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated.
I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.