WillisBack/dataset-financial-user-claim huggingface dataset:
1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.
I have two CC with one company. Back in XX/XX/XXXX some charges were made that I did not realize till XX/XX/XXXX this account was used by my daughter for college. I have been unable to get the five charges removed and stopped my payments. I will pay the penalty but I was frustrated with the lack of consumer services when contacting the company. In XX/XX/XXXX I finally got a person from the company to assist me and agreed to make a payment that would pay off the credit card. The company did not apply the funds to the credit card in question but to the second card. I was under the understanding that at that time I had a XXXX  balance on that credit card if the five charges were successful. Last week I received a notice in the mail that the cc in question now had a balance of four hundred dollars more then what I paid off. Another words my payment was for XXXX dollars and now I have a XXXX debt on this cc.

The second cc I stopped payment on because of the slow crediting on my account that more then once took more then a week to post and allowed the company to charge additional rates. One week after I sent them a XXXX dollar payment they claim I owed them the additional money even though the company held the funds and did not post them to my account until after the late fees could be applies.

I have not made a payment yet and have not been successful in communication with the company. Until I can get the first cc straightened out I do not plan on paying another cent to the company.

I have not used either cc for months and have since destroyed them
I purchased this card with My Drivers license for my daughter so she could use it for her XXXX XXXX account, I loaded the card with {$17.00} initially and then {$45.00} 3 days later so she could charge {$32.00} on the card. Upon entering the prepaid card on the XXXX website the card was charged {$32.00} it deducted from the funds available on the card but XXXX said she still needed to pay the balance confused I contacted PLS customer service number apparently there was a " HOLD '' placed on the card for {$32.00} it took 7 business days for that hold to drop off, I had to pay {$32.00} with my personal major credit card for my daughter when the entire purpose of me buying her this prepaid card was so that she could shop online and with her XXXX account without me having to use my Major Credit card. I spoke to supervisors and XXXX csr reps and none of them could explain to me why I had to wait 7 business days to get my {$32.00} back on the card for my daughter. XXXX rep even advised me the card was never activated, I activated the card personally and I know that is not true, anyway we waited the timeframe to get the money back on the card and it still was not available by the date XXXX at Midnight as promised I had to call AGAIN to have it manually added back to her card. I think this card is a fraudulent prepaid card and should be investigated I even contacted the PLS on XXXX XXXX in XXXX IN where I purchased the card demanded a Store Manager contact me, I never received a return call. These people are taking money from consumers for a prepaid card that does not actually work. I am so grateful that I stopped the Direct deposit of {$400.00} that I was going to put on it for my daughter every month for her allowance. It took us one week to get {$32.00} off the card there was no way I was going to risk putting more funds on this card. 
My child also tried to use the card on XXXX, XXXX and XXXX to buy some pink tights and the card declined each time for {$6.00} when she had {$55.00} on the card. 
I believe there is something shady about this company and it needs looking into to protect other consumers so they will not have to go through all that me and my daughter went to through to try and use their prepaid card. It does not work and it is a low budget company with poor customer service and poor management.
I have disputed with XXXX, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. XXXX is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although XXXX has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.
I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you
After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}
We have missionaries in XXXX, XXXX, and XXXX that we have supported for years. We used to send funds via MoneyGram but starting last year they have blocked all attempts and we were forced to use XXXX XXXX, where we had no problem sending, just costs more. I have spoken to several agents at Money Gram including a supervisor who says there is no reason for my transfers to be blocked saying it is a local problem. I have gone to a number of MG agencies and all locations say money gram is rejecting the transfer. The supervisor agent said they can not tell me what their record shows as they might give false information. It is unthinkable I can be blocked from making legitimate transfers without a reason. Please investigate why MG is doing this to us and we want to disclosure for it. We are legitimate and highly credentials and people of honor, we do not deserve this type of inept treatment. This creates a hardship for our people in their country to not receive funds via MG instead of XXXX  or bank transfer. Plus it costs more. They were given good service for several years and then last year stopped allowing us to send funds to our people in our locations global. 


XXXX2018 is the latest time this rejection was given.
I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.
Navient is calling my work number. My employer does not want them to call my work number.
Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report.

I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX  and XXXX  telling me that I had a new collection on my account.
On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid. 

On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt. 

On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
XXXX account that started as a debt to XXXX XXXX and has been sold again and again to different agencies. This XXXX account pops up several times in my credit report with Transunion. I have started the dispute process in XXXX and still not resolved. Although it has been removed under the name of XXXX, it pops back up under XXXX Court Public Record. There playing games now. 
Again, This account was recently removed from public record but still listed under collections. I had Transunion remove the error in collections but then they added it back on under the name XXXX Court in Public records. PLease PLease help
I called adastra recovery services because I recieved a scam call claiming to own the loan. XXXX XXXX reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to XXXX XXXX and there quality control Specialists they then sent the debt back to speedy cash " the original debt ''. Speedy cash did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because speedy cash said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
XXXX XXXX is not reporting my payments im making on my loan, to the credit reporting agencys, they have not corrected my credit report, that i have been paying on time and i am not delinquite on my loan. They are still showing me delinquite and, when i contacted them, they told me that they dont have to report anything
DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.
Have filed multiple different disputes with Equifax for an account on my credit with XXXX XXXX XXXX that was opened under fraud. Each time there is no resolution, the account continues to show up on my report causing me to lose time by filing disputes and delay any credit related purchases that I may have. XXXX and XXXX have both already removed the account without delay. Complaints have already been filed with the FTC and Equifax still will not take action.
Looking over a credit report from Equifax, I saw that there was an address included that was incorrect. I believe I reported that to Equifax, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
On XXXX XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX as contact number on report ) requested my credit report. 

On XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX ) requested my credit report again without any authorization or explanation.
Discover Card. 

Ordered cell phone from XXXX that had an incorrect web description. XXXX C/S told me within 8 hours of placing the order to order the correct phone and refuse the original shipment as they refused to cancel 1st order ( with no cost to me ). Was to get credit for {$570.00} within 4 days. Phone was refused and returned per XXXX 10 days ago. No credit. Second order for correct phone was received and billed to card as XXXX suggested. 
Opened dispute with Discover Card. Discover is refusing to issue temporary credit and blames the CFPB ( after I threatened to file a claim ) ... stating that CFPB regulation is why the inquiry was put on hold. Further, Discover communicated NOTHING about the dispute. Nothing on my account web page, no response to secure emails and customer service has no answers ( even after speaking to a supervisor in Delaware office ). I have everything in writing from XXXX and shared with Discover during the dispute process.

Discover refuses to issue temporary credit!! I never received the goods I was charged for due to no fault of my own. I should have received this credit immediately! I want my credit!!
In 2007 I took out a student loan with Loan to Learn to help with my attendance at XXXX University XXXX. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called XXXX XXXX XXXX. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is XXXX per month which is unfeasible for me. I did more research as to how my account became this way and it was due to the fact that my account was placed into collections as of 2007 ( which is we signed for the loan ). This information was shared with me from XXXX as well as XXXX XXXX XXXX. My grandparents ( the cosigners ) have been harassed countless times and most recently have been hung up on when speaking to representatives from Loan to Learn. The original contract/agreement states that payment is to be remitted until graduation and that after graduation my cosigners are to be removed. I have made countless calls ( and have kept the logs ) in which we ( we being Loan to Learn and XXXX XXXX XXXX ) spoke specifically about how to attack this situation so that I Can afford the payments and get this delinquency status off of the loan. I am NOT trying to escape making payments ... I am trying to make an affordable payment and that it in turn release my grandparents of this agony and stress as well as reflect as an account that is being paid on time. This loan and its company has been nothing but a headache. Neither Loan to Learn nor XXXX XXXX XXXX are willing to work with you to make repaying a debt feasible. I have even spoken with the Credit Bureaus and received instructions from them and both Loan to Learn and XXXX XXXX XXXX ignore those request as well.
I live in Washington State and went to XXXX. XXXX for the weekend with my wife. 
We made a couple of charges on our credit cards. XXXX XXXX  charged a foreign transaction fee and discounted the charge to the US - XXXX rate, which is OK with me. However Bank of America charged a foreign transaction fee and DID NOT discounted the charge to the US - XXXX rate. 

This is like double dipping to me. The discounted rate at the time was 30 % to 24 % depending on who you are dealing with. ( XXXX XXXX was 24 % ) With an exchange rate of 24 % Bank of America is making an additional {$200.00} plus the foreign transaction fee of an additional {$26.00}. 

These charges are unacceptable and unfair to the consumer.
I received notice that this Company was added to me credit report, I had never heard of them before so I contacted them and asked for them to validate the debt.I have repeatedly wrote letters to them, i also sent a Certified letter too and it was returned to me because the address they gave me was incorrect, so I looked up another one re- sent it, I think they are committing fraud. They have not provided and services or goods to so why do I have to pay them money
I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.
Ive contacted the company numerous times pertaining to a collection thats reporting on my credit report. Ive requested that they send documentation validating the debt that is owed and theyve failed to do so.