WillisBack/dataset-financial-user-claim huggingface dataset:
Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
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My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
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It is apparent that Loan Care never service their customers account seriously and professionally.
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The attachment will give a full of the complaint.
I applied for and was approved for a home mortgage loan with Wells Fargo. 
The closing was XX/XX/2017. 
Throughout the process I was led to believe my interest rate was/would be 3.375 % fixed/30 year mortgage - as I had a credit rating of over 825, and be compensated with the best interest rate available ( I was led to believe ). 
My Closing Disclosure stated my interest rate was 3.375 % variable ... that it could increase up to 1 % in the " 13th Month '' or " Second Year '' ... but did not state any reason it should/would increase, especially increasing a full 1 % ....! 
At the time the interest rates were going down, and that was the assumption on my part.That this would never be an issue. This is also what I was led to believe! 
This was my second home loan with Wells Fargo, I had previously paid off my first home mortgage in full with no issues. 
I never considered the possibility I would be exploited with a full 1 % interest rate hike/ increase, from the first mortgage payment in XX/XX/2017! This 1 % hike was far more than I ever expected, and feel I was exploited with misleading legal talk and documents. 
I did call them on this, stating my Closing Disclosure stated my interest rate would be 3.375 % ... ..at least for 13 months ... and why did they increase to the maximum the 1st payment? My Mortgage statement has 4.375 % since the first payment! I did not understand their answers, they said they'd look into it. There was no reason for a full 1 % rate increase and no increase was allowed for 13 months, especially 1 %. I told them I felt I was exploited in the process, the representitive I had at Wells Fargo, XXXX XXXX, is no longer working there, so I couldn't follow up with him personally. 
I have not hear back yet.
I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.
Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.
I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX Service or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
I was told by a representive of XXXX XXXX that my account would be changed to Current never late but it has not been changed on ny credit reports. I need this to be changed I was late do to Hurricans daughter was hurt in Hurrican Harvey had to go to Texas then our house was hit by Hurrican Irma causing damage
I had a lien for my state taxes, which I paid in full last XX/XX/2014. I took out a loan so I could pay it, and have also repaid the loan. This was all done through my bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA. XXXX phone XXXX. p. XXXX, XXXX. I have tried to get this resolved by sending documents to Experian Credit Reports, to no availe. It is still reporting that I hav n't paid the XXXX. Which in turn is affecting my credit. sombody needs to do something, as I just ca n't seem to get my name and credit cleared, and I 'm tired of trying. Could someone Please help me out. Thank-You.
I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.
I paid off my credit balances of two credit cards with Chase bank. After I paid the credit cards off, and with a stellar 25 year history with Chase, they did a " business review '' of my accounts and cut my credit limits in half. Although they can cut my credit limits in half without any " hard '' credit pull, they are now telling me that in order to reinstate my credit limits to the limits that I have had for more than 10 years, they will need to do a " hard '' credit pull. So, now I am in a position where either way my credit score will be affected. I can have them do a " hard '' credit pull to reevaluate my credit limits, or I can leave the limits where they are and have my credit score affected by that. This is a pattern and practice for Chase because when I paid off one of the credit cards the last time, upon pay off to XXXX  Chase sliced my credit limit on that card from {$26000.00} to {$10000.00}. This is unfairly negatively affecting my credit score.
On XXXX XXXX, 2016 I checked my XXXX report and it showed that an collections account, XXXX XXXX XXXX was deleted and reinserted in the same week. I have been disputing this account for a few months due to the fact that it is not mine. I have sent them several letters and have yet to receive a response. Transunion failed to notify me within 5 days that they were reinserting the collection account. They have broken the law.
OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.
I'm getting XXXX out of {$140.00} by discover. 

I called discover customer service in late XX/XX/XXXX to clarify how to process a price protection with my card for a couple of TVs I wanted to purchase. I was told I would only need my receipts, a billing statement, and an advertisement for the lower price. Limit XXXX  per transaction and limit XXXX  per year. So this will work for me because I was going to make two separate transactions and submit two separate claims because one was a gift. 

After filling out the forms, waiting a month and seeing my " approved '' requested amount for {$320.00} x2 with their price protection view portal I received a check for {$320.00} & {$180.00} ... 

I called discovers customer service again who transferred me to a completely separate company who handles their benefits who now told me that there is also a limit of {$500.00} per day. 

I then ask where I can view the full terms of service as it wasnt on their website when you login, the only thing there is FAQ and another spot detailing the service but nothing about a XXXX per day limit. 

I asked the company if I could return the TV using the return protection that discover offers and they told me that I can't because I had already used price protection on the TV. 

I asked to speak to her supervisor because she keeps mentioning him, and asking him questions about my claim. She puts me on hold for a minute and comes back on and says I can do the return gaurentee but it has to be mailed back to them new in box. Then asked if there is anything else she can do like I didn't ask to speak to her supervisor. 

I never got my other XXXX  dollars
I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. 

After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. 

Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. 

After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. 

I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself.
Profit Services Group ( XXXX, Ga. XXXX ) received mandate from XXXX to collect a debt generated by my visit to the ER at XXXX in XXXX. 

The insurance received the claim on XXXX and made a payment but the Profit Services Group is still trying to collect the alleged debt. 

The person who called has threatened : 1 ) Call my employer 2 ) Affect my credit if I do not pay immediately 3 ) Pretend to have mandate to collect the debt even if it was on recall
I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.
My problems specifically is for the credit card company Capital One to charge a membership fee to the available credit line and not, charge it separately as a separate fee they offered a credit line of {$400.00} but they deducted the {$39.00} membership fee from the credit line and not charging it separately also no Reward Points were given this should be considered the first charge. There is no no difference what they are doing versus what XXXX XXXX did! 
I spoken with the customer service manager message XXXX operator number XXXX she said there was no one else I can speak to and she would forward my concerns but it's not guaranteed that I would hear back from someone! This incident occurred on XX/XX/2018. 
Once again I have no problem with the membership fee but I do have a problem how they interjected into the available credit line without stating is the first time use of the card and also giving points for first use! 

XXXX XXXX XXXX
I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.
XXXX XXXX was in foreclosure with a high 10 percent interest on her XXXX mortgage. There was no sale date on the home XX/XX/2015. No one from her servicer contacted her with regards to seeking assistance with the loan to retain the property. XXXX XXXX sent in a modification over two weeks before her sale date which was plenty of time for a review to start per SLS employees. On XX/XX/2015 the single point of contact XXXX XXXX stated that she has the modification package and reviewed the information while on the phone. ( Calls are recorded, this conversation took place. ) XXXX stated the file is being reviewed. She stated that the contributor section needed to be filled out completely on the RMA form. On XX/XX/2015 XXXX said there was no new update on the account. On XX/XX/2015 Supervisor XXXX ID XXXX came to the phone. Not only was XXXX rude, she had bad customer service. XXXX stated that per federal law and according to the consumer financial protection bureau, they were not reviewing the file for assistance. We asked if the calls are being recorded and she said yes. She again stated that they will not review the file for assistance because the sale date is less than 37 days from the date they received the request, therefore they will not review the file nor postpone the sale date. This complaint is with regards to how SLS is conducting business. Supervisor XXXX ID XXXX and underwriting are quoting XXXX " guidelines. '' However, per the foreclosure attorney/trustee The Mortgage Law Firm employee XXXX XXXX, they were authorized to move forward with the sale on XX/XX/2015, which is less than 37 days ' time to even get the package in. California has different guidelines in general. And in this case, SLS is in clear violation of these laws and is misinterpreting " Federal Law. '' It is apparent that SLS is not only in clear violation pertaining to federal guidelines, but they are discriminating against XXXX XXXX based on her age, sex, marital status, race. There are numerous reason why SLS behavior Is unacceptable. The number of times that SLS was contacted regarding status of the file should extinguish any opportunity to excuse SLS 's behavior. Rude employees only validate the issue of discrimination. There is no tangible reason for SLS to have treated the homeowner and file in this manner. SLS is refusing to consider XXXX XXXX request for assistance negating any opportunity for her to save her home. The events described above are just a sample of the practices that are taking place at SLS. SLS appears to be more interested in foreclosing on the home and selling it at auction to make a profit. It appears that SLS lack of participation in a meaningful modification review of the file indicates a preference to profit directly from XXXX XXXX 's hardship. At this time we are demanding that SLS provide XXXX XXXX with a work out solution or she will assert her legal rights and name both SLS and The Mortgage Law Firm as defendants in a civil complaint.
Hard inquiries must been done online illegally with my information I never applied for these XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule, I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However, one month later they sent me a letter reversing the charge, stating that the merchant MUST agree to the cancellation. I sent follow up documentation citing again the FTC rule as well as the correspondence between the merchant and me and they again told me the merchant must agree in order for them to cancel the sale.
Capital One is furnishing inaccurate information related to 2 closed accounts. Here are three specific issues : 1 ) Capital One responded to previous complaint on 9/25, but did not provide any information related to my Savings Account.

2 ) I understand that Capital One can close an account for whatever reason they want but they have not addressed the Closure Status of the Account. It currently says 'Closed for Cause ' Savings account was not used with no transcations the in the last 4 months. Checking account was hardely used at all.

3 ) These are personal accounts not business accounts. Referring to this as a business checking is not correct. This is affecting the accuracy of my report as required by the FCRA.
I 've requested the the servicer of my student loan Navient remove negative information from my credit report that is over 7 years from date of 1st delinquency even though it 's accurate. I 've submitted to them my credit report that shows that I was 90 days late XX/XX/2009 which is would have made me 30 days late XX/XX/2009. XX/XX/2009 is over 7 years past the date of 1st delinquency so by law this information should be removed from my credit report. Navient refuses to remove the information.
I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.
This is both a billing and customer service issue. First let me state that the BBB gives a name of XXXX XXXX with a number of XXXX, with no access code, luckily I had XXXX. When you ask for the name provided then a rep tells you that " she is unavailable, but then continues to probe you for info. To me this is a clear indication that she is, but they just wo n't put her on the phone. So for that I am also reporting this company to the FTC. 
My New issue is that Capital one credited me XXXX do to an error on their end XXXX they passed the blame off to XXXX XXXX XXXX, but the XXXX only covered the XXXX plus XXXX late fees and not the interest I ws promised. i called in yesterday, spoke with a supervisor who fixed that issue just fine. I told her I had just made a payment of XXXX via XXXX Saturday and that I will call back with the reference number, so that they could verify and release the funds unto my account. I called back in with the reference # but they stated that because my account was " past due '' and " in collections '' that they could not. My account should have never been placed in that status because it was in dispute and accoding to the FDCPA If, within thirty days after receiving written notice of the debt from the debt collector, you contact the company stating that you do not owe the money, the debt collector must stop contacting you. The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor. And that until proof is given I am NOT required to make payment. 
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to {$1000.00}. You may also be able to recover court costs and attorney fees. I am hoping that it will not come to this, but you will not violate my FDCPA Rights, you will not hold my hard earned money and you will not disrespect me Capital ONE!
Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.
On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR.