WillisBack/dataset-financial-user-claim huggingface dataset:
My mom and myself got a Loan for XXXX University for {$2700.00}, it was hard enough to get accepted for that little of a loan because I was XXXX and went off my parents income and they " made too much ''. That was the only loan we applied for. I transferred to XXXX a semester later and paid completely out of pocket. I then went to beauty school and graduated from XXXX XXXX all out of pocket. We did direct withdrawal for my loan and canceled it when the payments should have ended. Well, Navient kept calling me demanding more money so, I asked them.. how much do I owe?? they said {$8000.00}!!! I go online and sure enough it says I have second loan for {$5500.00} for XXXX. So I demanded my promissory note for that loan and Navient could not provide my note for the XXXX loan but did for my XXXX XXXX. I get on federal student aid and again, no promissory note. So i try and dispute it ... after 6 hours of being thrown in circles they send me to the ombudmans group, who sent me to XXXX, who sent me back to ombudmans. I called XXXX 's financial aid and requested my payments with them and they have no evidence of a loan received for that XXXX amount. In fact my parents saved {$50000.00} for me to go to college and we paid out of pocket and before it was due and every school I went to called me into financial aid to tell me to STOP paying SO much and early because it was messing with their system as they wernt expecting {$10000.00} payments in advance.. I have checked my credit reports on all XXXX major credit reports and it shows my payments I was making towards my XXXX loan was dispersed to both loans, without my knowledge and before payments were even due for the fraudulent XXXX loan. So, I have two issues, I have a fraudulent loan I never received for {$5500.00} and I have payments that I have made that were not applied to the correct loan, resulting in high interest fees and phone calls every day demanding I make a payment and that I can go into forbearance and they are calling collections on me! It has been so stressful, I have been disputing this for 2 months now, nearly every day I have cried.. my parents have fought, my family has cried and cried over money we cant come up with because my parents think im lying and took this loan out.. another issue.. I live in Nebraska and the date of this XXXX loan ... I would have been XXXX XXXX XXXX and needed a parents signature as in the state of Nebraska you 're not an adult until 19 years of age. So again, its wrong! I have paid my student loan off and I never took out a second loan, nor did i receive, nor am i paying for it.. also the interest on my original XXXX loan is ridiculous because i made payments EARLY and on time every month!
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with ChexSystem reported that I had an outstanding balance with XXXX XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. ChexSystem reflects derogatory statements about and ruins my credit ability. ChexSystems acts are unconstitutional and has helped to ruin my livelihood.
These accounts are not mine and they are being reported on my credit report. I have asked for verification without success. Act number XXXX XXXX and XXXX XXXX. The report also says these accounts were opened in 2013. I did not open any accounts in 2013.
Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX   XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.
My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns. 

1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN! 

2. Why is there a deferred principal balance of {$87000.00} listed on the payoff? 


3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies. 

4. The loan never should have never been modified on XX/XX/XXXX,  since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX. 

5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have. 

Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )
I was one of the victims of Equifax who 's information was potentially stolen in their security breach.
I do not have exact dates but in 2014 I had an auto loan with Consumer Portfolio Services. At the time I was not working and was unable to pay my car not and fell behind. I did begin working and starting making payments but before that time they would call 5-6 times a day. The callers were very rude and threatening. I have had to hang up the phone because one caller would n't get off the phone until I gave them a checking account number. They also repossessed the car when I was still catching up on the payments I was behind on. So I feel like if I am giving you payments I should be able to keep the car. Also, the company called 2 of my references and told them both I was behind on my car payments. They were harassing one of my references to the point they became upset. They also told the reference to go find me on social media like, XXXX or XXXX. This issue is currently affecting my credit. Also, the company somehow had my insurance to fix the car because there was a slight dent in it when it was repossessed.
In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
XXXX and experian taking way to long over 30 days to fix a ftc claim fca
XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
I have been a Capital One XXXX customer for years. I contacted Capital One to inquire about possibly upgrading my card to one with no annual fee and was told that was not possible. I then requested that the annual fee be waived this year possible and the customer service rep advised that He would be unable to waive the fee at the time we spoke because it was early and the fee had not yet been assessed. He suggested that I call back and request a waiver of the fee once assessed. I called back and was told that my account did not qualify for a waiver based on the systems algorithm?? when she tried to submit the request. I asked what the algorithm was based upon, I cant recall ever being late etc ... and she was unable to answer. In the interim and I received a preapproval offer from Capital One for a XXXX XXXX Card. I was considering booking a vacation, so I went online to see what perks they were offering with the card as well as the terms and conditions rates etc.. Online the XXXX XXXX offered showed a promotion that stated that if you spent {$1000.00} in the first 3 months you would receive {$20000.00} bonus points. I attempted to apply for the card online, but since I was logged into my account. The system kept diverting me to enter the confirmation number for the preapproved offer Id received. Not stiputlating that the terms would be any different. It would not allow me to just apply for the card otherwise. Needless to say, I booked my vacation, the charged went through. I called later to inquire as to when I should expect the points to be posted and was told that my account did not qualify for the promotion. I went online while the rep was on the phone and confirmed the details. She then stated that the promotion was not included my MY specific offer! What?? I would not have accepted the offer had I known that this was the case. I have plenty other cards that I could have used and received some benefit for my purchase.the young lady agreed that I met the conditions and state that she would escalate my concerns and follow. A few weeks later she called back and stated that her request was declined and that points would not be applied. I was so frustrated at this point, I just hung up, figured Id pay the card off and both or transfer balances or whatever. Coincidentally, I then receive a call from their Executive Customer Relations department, inquiring about my complaint.I explained my concerns to the young lady, who stated that she would research and follow up, I do not remember her name, but Im sure the call was recorded, that was before XXXX, I believe and to date I have not received a follow up call. This is like bait and switch. Their system would not allow me to apply online unless I used their confirmation code. The current promotions were advertised online, the only difference was the promotion but how is a consumer to know that. It never stipulates that this does not apply if you use a preapproved offer. And that itself is backward, wouldnt you want to give a preapproved customer a better offer? This is clear deception of a loyal customer
I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
There is an address on my credit report that I have never been associated with. I had a case with identity theft recently, and this may be related to that issue.
My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.
I received correspondence re a debt which is not valid since it was paid off to the original creditor in 2015. I called the company and advised them that the debt was not valid and that it had already been paid and asked them to STOP calling me or sending me correspondence because it was not valid. To the contraire of my request, they continue the calls and messages and have not provided proof of debt validation as I asked them to confirm with the original creditor that it was paid off.
My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

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